Solutions for efficient cash flow management.


Payments and Processing

As a business owner, you understand the importance of effectively managing cash inflows and outflows. Make it easier to meet payroll, collect payments, and pay vendors by tapping into our secure cash management services and online reporting capabilities. Choose one or more options- or let us help you customize a cash flow management program that’s tailored to your business.


Cash Management Services: Sending Money

You can work with your banker or use online banking to make payments, quickly and securely.

payment due written on calendar

Automated Clearing House (ACH)

  • Get next-day settlement via our Standard Payments.
  • Make recurring payments quickly and easily
  • Manage debits for recurring monthly payments.


man in factory

Wire Transfers

Whether you’re transferring funds in the U.S. or around the world, our wires are fast and convenient.

  • Benefit from same-day transactions for requests processed over the phone or at a branch prior to 5:00 pm or online prior to 5:30 pm1
  • Transfer funds domestically or internationally
  • Enjoy advanced security, control, and reliability

“Santander remote capture gets our payments deposited more quickly without actually having to go to the bank.  It’s actually a big savings for our company.” 

- Ray Doran, Crystal Fusion Technologies, Inc. 

Cash Management Services: Making Deposits

However you choose to make deposits —whether in person, online or over the phone—we offer solutions to help you manage them easily, efficiently, and securely. 

mobile check deposit icon

Mobile Deposit

Download our app and make deposits on the go using your mobile device.

  • Endorse, snap, deposit –it’s that easy
  • Deposit checks when you receive them instead of waiting until you visit a branch
  • Access check images any time


Santander Check Deposit Link

Santander® Check Deposit Link

Send your deposits to the bank without leaving your office using your computer and our complimentary desktop scanner. It’s a fast and, convenient way to deposit checks into your cash management account.2

  • Send your deposits to the bank safely with your computer and our complimentary desktop scanner
  • You want to be able to make checking deposits until 8:00 p.m. and receive same-day credit.
  • Retrieve check images and download data as needed



limit fraud lock box icon


Santander’s nationwide Lockbox Network centralizes collection of electronic and paper payments and provides same day reporting by collecting your checks in a centralized manner.

  • Receive same-day processing of electronic payments, checks, and money orders.
  • Reduce accounting errors and the chore of sorting and processing
  • Benefit from real-time access to all incoming payments

Cash Management Services: Commercial Card Option

We make it convenient for you and your employees to travel, entertain, or make purchases with our commercial credit card.

Cash Management Services: Cash Deposits

Cash Services: We make it easy to deposit and receive the cash that drives your business.

View our complete fee schedule here.

low balance transaction icon

For Smaller Cash Volumes

Make smaller cash deposits in person at one of our 650+ branches during business hours or after hours at one of our night depository vaults.

3 bags of money icon

For Larger Cash Volumes

Use our 24/7 Automated Money Centers to process larger amounts and have cash delivered straight to your door via armored transportation.

“We need a bank that’s got the capacity to handle thousands of checks a month in their operations center, with positive pay features for fraud protection, and do it both effectively and within a cost that makes sense.  And Santander has more than met our needs.” 

Ed Radetich, Heffler, Radetich & Saitta LLP

Meet Your Business Banking Specialists
Santander's knowledgeable business bankers are ready to help you choose the right banking solutions for your business. Contact us today.

Manager Name

Serving Business with x qualifications



Get in touch

Additional Accounts

Learn about other banking services that may help your business.

Santander® Check Deposit Link is a trademark of Santander Bank or its affiliates or subsidiaries in the United States.

1For Wires, our same-day transaction cut off time varies: Wires ordered through Business Online Banking or Santander's online treasury banking portal, same day cut off time is 5:30pm; For wires ordered at our Branches, cut off time is 5pm; For wires ordered through our Business Customer Service Center, same day cut off time is 5pm. All times reflected ET.

2Customer will receive the Epson Capture One single Document Scanner (retail value $299). Available to customers with an eligible business checking account. Limit one free scanner per customer. Additional scanners are available at a cost. Other fees may apply. Should the service be terminated before a full calendar year is up, you will be charged a $300 cancellation fee.

business app storebusiness google play