Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Person using their cell phone in a retail store
Go beyond banking by empowering your business with smarter cash flow tools. Backed by local bankers who actually answer the phone.
You need your banking to keep up with your business, not slow it down. Four Corners Community Bank’s cash management services give you the digital tools to run your business efficiently, plus the personal support of bankers who know your name and understand your goals. Let’s talk about your business.
Walk-ins Welcome | Appointments Available | Member FDIC
Managing payroll, vendor payments, daily deposits, and receivables takes enough time already. You shouldn’t have to chase your bank for answers or wait days for simple transactions.
Here’s what we believe: Banking should work for you, not the other way around. That means modern tools when you need efficiency, and real people when you need help.
You get both at Four Corners Community Bank.
With services like ACH, Wire Transfer, Check Positive Pay, ACH Positive Pay, and Remote Deposit Capture, you can:
✓ Simplify payments and collections.
✓ Protect against unauthorized transactions.
✓ Deposit Checks securely from your office.
✓ Improve efficiency and reduce cost.
Handle direct deposit payroll, pay vendors, and collect customer payments efficiently. Upload files directly from your accounting software.
Deposit checks anytime from your office. Use a multi-feed scanner and our secure web portal. Get same-day credit for deposits made before 4:00 p.m. MT.
Perfect for businesses with non-traditional hours or when you simply can’t make it to the branch.
Send domestic wires quickly through our online platform. Or call your banker directly—we make it easy either way.
A business feature that helps minimize check fraud, prevents related losses, and helps simplify your account reconciliation.
The Positive Pay system electronically compares daily business-issued checks with existing checks presented for payment. When a check is presented and does not match the record you provide, it is flagged as an exception and referred back to you for a payment decision.
Secure your account from electronic “invisible” theft.
ACH Blocks – Completely stop all electronic debits from your account.
ACH Filters – Create an “approved vendor list.” Only companies you authorize (using their unique originator ID) can pull funds, and you can set maximum dollar limits per vendor.
ACH Watch – Identify incoming ACH items to be notified via email. These items will process normally and will appear in the Transaction Review Listing. The items can be allowed to process or be returned by the financial institution.
Deposit Checks Without Leaving Your Office
Run to the bank every time you need to make a deposit? There’s a better way.
Remote deposit capture lets you scan and deposit checks securely. Your office becomes your branch.
Same business day for deposits before 4:00 p.m. MT.
Scan your checks using a multi-feed scanner, submit through our secure web portal, and you’re done. Email alerts confirm your deposit, and statements are available online 24/7 (must be enrolled in eStatements).
Note: Remote deposit equipment must be purchased or leased from the bank. Contact FCCB for current pricing.
Businesses with after-hours operations, multiple locations, remote offices, or anyone who values their time.
Straightforward Pricing You Can Count On
We believe in transparency. Here’s what our cash management services cost:
Service
One-time setup fee
Cash Management (Wire, ACH, Check / ACH Positive Pay)
Remote Deposit Capture Only
NACHA rule book annual update (When ACH services are utilized)
Fee
$100.00
$30.00/month
$30.00/month
$30.00/year
Remote deposit equipment must be purchased or leased separately.
Want a custom quote for your business? We’re happy to walk through exactly what you need and what it will cost.
Built for Nonprofits and ALL Businesses Like Yours!
Real Estate Investors & Developers
You’re managing multiple properties, contractors, and timelines. Our cash management tools give you real-time control and fast answers so you can keep projects moving.
Contractors & Trades Professionals
You’re out the door before sunrise. Manage payroll and deposits without delays or runaround—just straight answers when you need them.
Remote Workers & Modern Professionals
You need digital tools that actually work, backed by real bankers you can call. Get seamless online banking with local support that knows your name.
Local Bankers Who Know Your Business
Big banks give you digital tools, then leave you stuck in automated phone trees when something goes wrong.
Here’s what makes us different:
You get modern cash management technology AND direct access to local bankers who understand your business, your market, and your challenges.
When you need help, you talk to someone who knows you. Not someone reading a script.
“We look for a way to say yes—and we do it quickly.”
Security You Can Trust
Secure platform: Users are required to have updated virus protection on their devices, along with up-to-date encryption and authentication protection.
Fraud monitoring: Automated alerts and Positive Pay features help you catch suspicious activity.
Real support: When you have security questions, you talk to a real person who knows your account—not a script-reading stranger.
Three Simple Steps
What You’re Probably Wondering
Most businesses are up and running within 5-7 business days after we meet and complete the paperwork.
Yes, our ACH service supports file uploads from most major accounting platforms that generate files in the standard NACHA format.
Our digital platform is available 24/7. For questions during banking hours, your banker’s direct line gets you real support fast.
Our monthly fees cover most standard transactions. We’ll give you a complete fee schedule when we meet—no surprises.
Absolutely. Users are required to have updated virus protection on their devices, along with up-to-date encryption and authentication protection.
Your business formation documents, EIN, and valid ID. Call ahead at 866.875.4501 and we’ll tell you exactly what you need.
You might be managing payroll for a growing team, paying vendors, or just tired of driving to the bank every time you need to deposit checks.
We’d love to talk about how we can help.
Visit Your Nearest Branch Office
Walk-ins Welcome | Appointments Available | Member FDIC