Cash Management

We understand how challenging it is to run a business. That's why we offer a wide variety of innovative services designed to help you grow your bottom line, plus save you time and money!


Deposit Products:

We offer a wide selection of business Checking and Savings accounts so you can choose what best fits your needs .


eBusiness Banking :

We invest in technology for your business, by offering access to your SNBT Business Accounts anytime 24/7 by computer or mobile phone. Manage account balances, automate payroll processing, make loan payments, and transfer funds.


Line of Credit Sweep:

Save money by accessing your line of credit when it’s needed, then anytime your account reaches a designated balance, automatically make a payment.

  • This automatic process does not require you to do any manual transfers from credit line to your account
  • Access your credit line when needed
  • Pay your line down anytime you have available funds to do so
  • Minimize interest payments by ensuring the lowest amount of credit is being utilized


Business Debit Card:

Benefits :

  • Manage and protect your card by downloading the CardValet App so you know how, when, and where your corporate cards are used. Watch the CardValet tutorial.
  • Save money by reducing paper check usage
  • Individualize cards with spending limits
  • Get cash where and when it’s needed
  • Track and monitor spending on all cards via online reporting tool
  • We no longer offer Business Debit Cards to Non-Profit accounts.


SNBT Corporate Credit Card Options:

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Expense management tools
  • No fee for additional employee cards
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

Let's get started...

Pick the best rewards for you!

Flexible Cash Rewards For Your Business.

Rewards To Use The Way You Want (4)

Pay Down Balances.

(1) - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
(2) - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
(3) - Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
(4) - The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
(5) - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
(6) - Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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