Business
Accounts
Our business checking accounts are designed to streamline your finances, boost efficiency, and support your growth. Whether you are a startup, small business or established enterprise, we have the account to fit your needs.
Business Accounts
Business Checking Built to Support Your Growth
Whether you are a sole proprietor, small or mid-size business, or large corporation, get the best return for your business’ banking with our checking account options. Services like Cash Management, Mobile Banking and Employee Banking Programs to help keep your business financially strong and flexible.
Business Interest Checking and Free Business Checking accounts include:
- FREE debit card
- FREE online banking
- FREE bill pay
- FREE mobile banking with mobile deposit
- FREE eStatements
- FREE thank you gift
- FREE gifts for referring others
- Buy back of your debit cards and unused checks from another financial institution up to $10
Which Account is Right For You?
Business Accounts
Treasury Management Services
At Legacy Bank & Trust, we understand that effective Treasury Management is crucial for your business’ financial health and growth. See below for our comprehensive suite of Treasury Management services designed to optimize your cash flow, manage liquidity, and mitigate risks, ensuring your business operates smoothly and efficiently.
Treasury Solutions
Proven Treasury Solutions
Faster, smarter, more profitable decisions are within easy reach. Legacy Bank & Trust has an online banking system that provides easy visibility into your accounts through a single point of access. Offering innovative functionality and design, users enjoy an intuitive interface with easy-to-use features.
Security
Our online banking systems offer control features like access for embedded anti-malware protection, secure token access, user/role specific entitlement restrictions and multiple layers of fraud protection.
Convenience
Get instant access to your finances and make decisions in real time with an app that can be used on iOS and Android mobile phones and tablet devices.
Flexibility
Set permissions, easily generate reports and deliver the insights you need to make informed decisions.
Treasury Solutions
Secure and Flexible Technology
All the tools you need to manage your daily financial workflows and and the peace of mind knowing they are just as powerful and efficient as those offered by the competitors. Our Treasury Solutions include advanced payment tools, account visibility over multiple accounts and comprehensive fraud mitigation.
Business Banking Team
Jorge Marin, CTP
SVP, Director of Treasury Management Sales – Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Commercial Card Solutions
Flexible Purchasing Card
- All-in-one solution for card management, travel booking, and expense reporting*
- Corporate liability
- Online Card Management
- Virtual cards, digital cards, and Integrated Payables compatible
- Data analytics and data integration capabilities
- ERP, HR system, and digital wallet integrations
- No annual fee
*Some fees may apply for the Integrated Payables and TravelBank solutions.
Business Banking Team
Angela Duwe, AAP, CTP
Managing Director, Treasury Management
Jorge Marin, CTP
SVP, Director of Treasury Management Sales- Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Payables Solutions
Solutions for All Aspects or Your Business
ACH Origination
Initiate electronic payments via online, mobile app, direct transmission, or API integration with your accounting or ERP system with same-day or next-day credit settlement.
- Same-Day ACH
- Future / Recurring ACH
- Manage Recipients – create, edit, and store ACH recipients in a list for quick and easy access.
New Instant Payments (SEND)
With Legacy’s instant digital payment platform, we deliver modern services including instant payroll and instant vendor payments and more. Instant Payments moves the payment and associated data in real time for immediate settlement via internet, mobile device, or via API integration.
- 24/7/365 payment origination
- Send Instant Payments
- Smart Routing to FedNow or RTP
File Automation
Deliver ACH files via a SFTP connection. No need to manually upload files.
- ACH Files received via SFTP
- System validates the Nacha file format
- Receive email confirmations for files processed or error notifications
- File mapping tools
Domestic or International Wire Origination
We offer domestic or international wire transfer originations. Our Treasury Global solution provides access to over 200 countries and 140 currencies.
- Global Access, Instantly – send and receive funds in up to 140+ currencies
- Store value in 30+ currencies *
- Security and compliance at the heart of our offering
- Live FX rates with easy invoicing – means the amount billed equals the amount received, whether you are the biller or the beneficiary.*
*Jurisdiction Dependent
Business Banking Team
Angela Duwe, AAP, CTP
Managing Director, Treasury Management
Jorge Marin, CTP
SVP, Director of Treasury Management Sales- Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Receivables Solutions
Solutions to Optimize Cash Flow
Shorten the time between making a sale and collecting payment from your customer using our suite of receivables managment solutions.
Merchant Services Solutions
Innovative card processing technology allows for faster transactions and increased funds availability. Gain access to the latest card terminals and ecommerce gateways.
Remote Capture Solutions
Eliminate branch deposits by scanning checks remotely, either in office or via mobile and transmitting images to the bank for deposit
Instant Payments
Receive payments immediately and at any time with our Instant Payments solution. Benefit from quick payment confirmation and access to funds that can help you increase your working capital.
ACH Debits
Facilitate electronic collections through our online banking system, including same-day or next-day settlements and file-based solutions.
Lockbox
Accelerate check collection and deposit processing with our retail and wholesale Lockbox solutions. Take advantage of our image capture services while having the ability to manage exceptions, receive transmissions and scan items from your location when needed.
Receivables Solutions
New Instant Payments Receive
Fast, Secure, Reliable – Business payments redefined. Improve cash flow management, reduce administrative burdens, and improve planning and forecasting for more informed financial decisions.
- Submit a “Request for Payment”
- API Integration
- Both parties receive notifications confirming a transaction
- Immediate acknowledgement
- Immediate funds availability
ACH Debits
Lower costs, Secure and Convenient – Collect or receive ACH payments. Automation reduces the need for manual processing and ensures timely payments.
- Secure and reliable
- Ensure consistent cash flow with scheduled ACH Debit transactions
- Plan for growth with confidence
- Save money and allocate resources more effectively
Lockbox
Streamline Receivables processing with Lockbox Services. Get faster access to funds and peace of mind allowing staff time to focus on other pressing needs. Significantly reduce entry errors and exposure to theft and fraud.
- We automate the transaction process for you – we take in payments, scan and image documents, and create a posting file
- Same day processing with daily access to payment data, custom daily reports and remittance images
- Online exception handling based on your specific business rules
- Anywhere-anytime connectivity to your transactions and research via a secure portal
- Expertise in HOA, Property Management, and Healthcare Solutions
Business Banking Team
Angela Duwe, AAP, CTP
Managing Director, Treasury Management
Jorge Marin, CTP
SVP, Director of Treasury Management Sales- Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Additional Services
Customized Merchant Services Solutions
Create a payment processing system that supports every step of your business lifecycle with a customized merchant services solution from Legacy Bank & Trust.
With an all-in-one merchant services system that accepts payments anywhere, any time on any device, you can get back to what matters. Our merchant offerings provide a wide range of solutions for payments, point of sale (POS), funding and more. Innovative card processing technology allows for faster transactions and increased funds availability, so you will never have to wait for your money. Gain access to the latest card terminal, e-commerce gateways and ERP integrations when you work with our dedicated Merchant Services team.
Merchant Services
Taking payments should be simple, convenient, and frictionless. Speak with one of our Treasury experts to customize an innovative solution that will accelerate your business growth and set you apart from the competition.
- Speed & Ease of onboarding
- Accept payments anywhere
- Accept major credit and debit cards
- Contactless options
- Mobile POS
- Safe and Secure
Merchant Services
Payments
Backed by a suite of flexible financial service technologies, this scalable credit card system is designed to support your growth.
Customer Engagement
Enhance your customers’ experience and keep them coming back with real-time solutions from a partner you can trust.
Funding
Real-time transaction processing, next-day funding, same-day funding in some cases (fee applies).
Integration
Integrate e-commerce through hosting websites and shopping carts through one system.
Services
New Instant Payments Receive
Fast, Secure, Reliable – Business payments redefined. Improve cash flow management, reduce administrative burdens, and improve planning and forecasting for more informed financial decisions.
- Submit a “Request for Payment”
- API Integration
- Both parties receive notifications confirming a transaction
- Immediate acknowledgement
- Immediate funds availability
Analysis Checking
Analysis Checking is designed for companies wishing to leverage the latest technology to optimize cash management and streamline your financial operations. A competitive earnings credit rate allows you to utilize deposit balances to help offset fees for services. A Treasury Management Sales officer will customize solutions based on your unique business requirements.
Business Banking Team
Angela Duwe, AAP, CTP
Managing Director, Treasury Management
Jorge Marin, CTP
SVP, Director of Treasury Management Sales- Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Fraud Protection
Tools Designed for Today's Business World
In addition to the layers of security Legacy Bank & Trust applies to protect your accounts, including anti-malware software and systematic multiple controls, we offer a range of solutions to help you reduce your risk of a fraud event and the costs associated with it.
ACH Blocks & Filters
Systematically block all incoming ACH transactions or return any transactions that are not from preauthorized companies.
ACH Positive Pay
Compare attempted ACH debits to preauthoized profiles. Allow preauthorized profiles to post, while you review and verify unauthorized sources in real time.
Check Positive Pay
Match issued checks with in clearing checks to dliver a daily online report of exceptions for you to decide to pay or return.
Reverse Positive Pay
Self-monitor all incoming checks for potential fraud scenarios, returning checks that appear altered or counterfeit.
Positive Pay Payee Verification
Reduce the risk of payee name alterations by setting up controls that compare the payee name on the check with that on your check issue file.
Check Debit Blocks
Automatically reject checks presented on accounts intended only for electronic transactions.
Fraud Protection
Privacy and Security Center
Protect your company and users with a set of comprehensive fraud mitigation tools, including Positive Pay, Account Reconciliation, extensive approvals, multifactor authentication, security alerts and more. Our platform keeps a clear audit trail, saving date and time stamps to easily identify transactions.
ACH Positive Pay
Review and manage ACH transactions to identify and prevent unauthorized transactions and reduce the risk of fraud.
ACH Blocks & Filters – “Smart Filters, Safe Transactions”
- Establish filters for incoming ACH debits
- Specify authorized accounts, companies, and transaction amounts
- Prevent unauthorized activity
- Enhanced security
Reverse Positive Pay
Fraud prevention option for companies that issue fewer checks or want to review all checks that are presented for payment before processing.
- Manual review of all checks presented against business records
- Flexibility in handling exceptions
- Approve or reject each check
Check Positive Pay with Payee Match
Positive Pay is a fraud solution built to protect businesses from check fraud. Positive Pay matches the check issue information provided by the company with the checks presented for payment. Any discrepancies are delivered daily as exceptions for review.
- Upload a check issued file each day – sftp, manual entry, or file download options available
- Automated Notifications are sent when exception occur allowing for timely review
- View images of exception items and approve or reject them
- Payee Line Verification ensures the payee name matches the issued check information
Fraud Protection
Personalize Your Experience
- Custom Alerts – set real-time alerts via text, email, and in-app push for key events based on your business preferences.
- Mobile Experience – Access key features and securely manage finances, online or offline, for ultimate convenience.
- Secure Messaging – Send and receive secure support messages between the bank and your business directly from your dashboard.
Business Banking Team
Angela Duwe, AAP, CTP
Managing Director, Treasury Management
Jorge Marin, CTP
SVP, Director of Treasury Management Sales- Texas
Robert Potts
SVP, Director of Treasury Management Sales
Pam Robison
AVP, Treasury Management Officer – Missouri
Alyssa Durham
AVP, Treasury Management Officer – Missouri
Treasury Management Support:
TMSupport@lbtbankandtrust.com | (833) 468-1446
Questions About Treasury Management?
Legacy Bank & Trust is here to serve all your financial needs. If you have any questions about our Treasury Management Services, please feel free to contact us.