The SDS Web Banking System incorporates a "best of breed" set of features and functionality designed to address the needs of your commercial customers. This begins with an advanced user management system that allows your customers' "Corporate Administrators" to manage user accounts throughout their organization. Security settings at both macro and micro levels control access to dozens of sections, set daily and transactional limits per user, apply one of six rights per user per company account (from "No Access" to "Transfer To/Transfer From"), and govern when each user can access the application (based on day of week, and hourly range per day).

The "Payroll Manager" allows commercial users to set up direct deposit payroll transactions for their employees, and generate ACH files directly off the Web interface. They can maintain up to three deposit accounts per employee, quickly create a pre-note transaction, and easily manage multiple payroll batch files. "ACH Payments & Receipts" allows commercial users to generate ACH files for payments to their business partners, as well as receipts to their customers to fully automate their billing process. The ACH files generated are fully compatible with the latest industry standards, and can be processed through your own origination system.

The Cash Management System also allows your commercial customers to remit tax payments to federal taxing authorities through the EFTPS. As with other commercial interfaces, these batch transactions, once submitted, will generate an ACH file, which can be processed through your own origination system.

Along with our secure messaging, which allows your customers to securely exchange messages from your financial institution, the commercial interface also allows the exchange of files. You can send out "public" documents, which could be viewed by all of your commercial customers, or send and receive "private" files to and from individual customers. In each case, the file is stored in a secure environment, and only accessible by the appropriate user accounts.