Business Banking Tools
Online Banking & Cash Management
With Online Banking from High Point Bank, you can do all the things you would expect—review your transactions, transfer funds and download statements. And with our Cash Management tools, you can pay employees with Direct Deposit, collect payments from customers with Direct Debit and perform Online Wire Transfers at a reduced cost over traditional wire transfers.
With this tool, you can electronically debit your accounts at other banks—even those outside of North Carolina—to concentrate your balances at High Point Bank.
Documentary Letter of Credit
Add security to an international transaction by ensuring the importer will be paid as long as the terms set forth in the shipping and collecting documents are met (subject to credit underwriting and approval).
Conduct your international business in the currency of your choosing through foreign currency, foreign drafts, foreign exchange wires and international check collection.
Investment Sweep Account
Earn a competitive rate of interest on excess balances.
Line of Credit Sweep
Receive automatic transfers from your Line of Credit or pay down your balance depending on your end-of-day cash position.
Zero Balance Accounts
Automatically transfer funds from a master account to multiple sub-accounts that maintain a daily balance of $0.00.
Scan and transmit check deposits to the bank via a desktop check scanner. Deposits made before 5:00 PM receive same-day credit.
Make it easier for your customers to do business with you. Accept major credit cards through the latest in secure point-of-sale terminals or via online methods.
Business and Corporate Credit Card Services
Manage your business’ and employees’ expenses as well as benefit from enhanced reporting features and a no-cost Rewards Program.
High Point Bank utilizes sophisticated monitoring systems that are necessary in today’s world to protect the funds in our customers’ accounts. In addition to all of the efforts we take behind the scenes to protect your money, there are some additional security features that are more visible to our customers.
Positive pay & ACH Filter
You know the trouble that can ensue when you're dealing with fraudulent behavior—not to mention the potential loss of funds. You can significantly reduce the incidence of illegal activity against your business checking account with Positive Pay from High Point Bank. Add on our ACH Filter, and you can reduce the risk of unauthorized ACH transactions against your account as well.
The Security Manager feature helps ensure that money isn’t being moved out of cash-management accounts by unauthorized personnel. When outgoing wire transfers or ACH transactions are requested online, an authorized user will receive a text message containing a numeric code that must be entered into online banking for the transfer to go through.
High Point Bank recommends Trusteer Rapport software, from IBM, as an additional layer of online security on top of your current antivirus protection. This software has been purchased by High Point Bank for the use of our customers.