• Choose from an array of reconciliation options to fit your disbursement strategy.
• Transmit check-issue files through a secure Internet connection using CitiBusiness®  Online.
• Proactively manage your accounts with Positive Pay and image services.

• Full Reconciliation eliminates in-house check reconciliation. You supply information on checks issued; we supply you a series of detailed reports about paid and outstanding items.
• Partial reconciliation simplifies the internal reconciliation process by providing a check-paid listing on a regular basis.
• Range Reconciliation provides a listing of unpaid checks, in check number order within a check-number range for a defined statement period.
• Deposit Reconciliation provides the ability for multiple field locations to deposit into a single account.

• Upload check-issue files from your desktop with CitiBusiness Online.
• Make pay/no-pay decisions until 2:30 PM EST.
• Test, review, and remove check-issue files online with CitiBusiness Online.

• Positive Pay matches your check issued file with checks presented for payment for a pay/no-pay decision.
• Reverse Positive Pay: We provide your company a file listing checks-presented for payment for your pay/no-pay decision.

• Nationwide network of Lockbox processing sites with locations in Chicago, New Castle (DE), Los Angeles, and Uniondale (NY).
• Continual reinvestment in technology creates an innovative receivables solution.
• Superior service-quality process ensures continuous performance improvement.

• Wholesale Lockbox processes invoice payments requiring the capture of detailed remittance information.
• Retail Lockbox processes recurring payments with scannable payment information typically of low-dollar denominations.

• Take advantage of our full array of cash management offerings with concentrated funds.
• Define user set-ups and account organization through your own company-designated administrator.
• Your company can enter deposit or available balance information using interactive voice response, operator assisted or using the web.

• Eliminates idle balances and pools funds
• Enhances cash forecasting
• Maximizes use of available balances

• Cash deposits receive same-day availability
• Our nationwide offering services companies located in any geography across the country
• Coin and currency orders are ready for delivery on a next-day basis

• Improves cash flow management.
• Eliminates in-house labor-intensive coin- and currency- counting tasks
• Reduce risk of loss by restricting employee handling of cash.

• Account Reconciliation and "Match Pay" (Positive Pay) are available with Controlled Disbursement to reduce the potential for check fraud.
• Discrepancies After Notification are adjusted the following day.

• Controlled Disbursement accelerates the calculation of the daily cash position to take advantage of investing or borrowing options.
• Citibank Delaware (located in New Castle, DE) is the location for all Controlled Disbursement accounts and is a Regional Check Processing Center (RCPC).

• Provide web-based funds transfer capability.
• Allow funds transfer through Fedwire, CHIPS, and S.W.I.F.T.

Zero Balance Accounts

• Concentrate funds from multiple accounts into one master account
• Maintain more detailed record keeping for the activity in each account
• Eliminate worrying about overdrafts or transferring funds to cover anticipated checks clearing from the sub-accounts

• Citibank, N.A. is one of the top ACH banks in both transactions and dollars processed in the United States.
• Use the latest technology and systems to both originate and received ACH transactions.
• Service businesses of all sizes using direct NACHA file handoffs or through our ACH origination portal via CitiBusiness Online.

• Accessible through CitiBusiness Online, this portal allows clients to set up databases to originate payments through the Automated Clearing House Network.
• Cost-effective way to initiate electronic transfers and reduce the cost associated with check-generation and replacement.
• More accurate cash forecasting of disbursement funding requirements.
• Automates many payment types:
• Direct Deposit of payroll, tax refund payments Social Security and other government benefits
• Direct Debiting of consumer bills, mortgages, loans, utility bills, and insurance premiums.
• Other payments: Business-to-Business payments, E-Checks, and Federal, State, and Local Tax payments.