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Collections & Deposits

Quick Access to Your Funds

As your company grows, we provide crucial corporate banking services, such as Automated Clearing House (ACH), Instant Payments, Remote Deposit Capture, Merchant Services, Cash Vault, Smart Safe and Lockbox.

Automated Clearing House (ACH) Automated Clearing House (ACH)

Make or collect payments electronically, quickly and safely anytime within the U.S.

Instant Payments Instant Payments

Get paid immediately, access funds instantly.

Remote Deposit Capture Remote Deposit Capture

Deposit checks at your convenience using your mobile device, tablet, or desktop with depositBridge® Plus.2

Merchant Services Merchant Services

Increase sales by accepting contactless payments viasmart terminals or your online store.

Cash Vault Cash Vault

Deposits transported to the bank's cash vault by armored carrier.

Smart Safe Smart Safe

Purchase or lease cashBridge® Smart Safe to electronically transmit cash to your account.

Lockbox Lockbox

Advanced technology and superior quality you need to streamline your accounts receivable and improve cashflow through our nationwide lockbox network.

DirectBiller DirectBiller

Reduce costly manual billing and payment processing

Automated Clearing House (ACH)

Make or collect payments to anyone within the U.S. at any time and anywhere with our ACH service. Our service provides you customized options to pay vendors, distribute payroll, initiate tax payments and collect dues and payments with ease and security. ACH optimizes your resources by transforming traditional payments via check issuance and facilitates expedited collection of payments. Our streamlined ACH service is another method to help keep processing simple, manage risk and reduce costs.

Additional Benefits of Using ACH

  • Optimize your cash flow, knowing the exact settlement date of your payments
  • Expedite and automate the collection of your receivables
  • Make payments faster than issuing and mailing a check
  • Use exact settlement date to negotiate payment terms with vendors
  • Reduce the risk of fraud by eliminating check issuance
  • Send credits domestically

 

Standard Service Includes:

  • Batch history for 180 days
  • Layered security control options
  • Use of bank-issued security tokens to authorize transaction release
  • Future-date transactions up to one month
  • Email alerts for approval release on outgoing ACH transactions
  • View and print all pending and sent ACH batch entries

 

Related Links

businessBridge® Premier Online Banking

 

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Instant Payments

Get paid immediately, access funds instantly.

With Instant Payments, your business gets paid 24/7/365, with funds available in seconds. No cutoff times, no delays and no waiting for payments to clear. You can receive up to $10 million per transaction instantly, giving you the speed, flexibility and control today’s business environment demands.

Instant liquidity
Access funds immediately to improve cash flow, accelerate order fulfillment and streamline operations. Both FedNow and RTP operate 24/7, so new deposits will be reflected in your account balance immediately.
Added flexibility
With no cut off times, you can receive payments any time—nights, weekends and holidays. Ideal for bulk payments, payroll, benefits, marketplace settlements and supplier payments.
Built for business
Instant Payments offers higher transaction limits with no cap on number of transactions. It’s designed for commercial use cases where speed, scale and reliability matter.
Instant Payments FAQs

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Remote Deposit Capture

Enjoy the perks of depositing your checks anytime, anywhere, without having to visit a branch.1 Simply scan your checks online, and your deposit will be electronically transmitted to the bank and deposited into your account.2 No more driving through traffic, waiting in line or paying couriers to pick up your daily deposits. You can also export up to 365 days of information for easy reconciliation. Save time and accelerate funds' availability while maximizing your cash flow.

Standard Service Includes:

  • Extended depository cut-off time
  • Expedited funds availability
  • Online access to check images and remittance data with easy export capabilities
  • Virtual endorsements of all scanned deposited checks

 

 

1 Subject to monthly service fee. Fee varies depending on your enrolled services. Other bank fees may apply. Please refer to the Global Treasury and Payments  Master Service Agreement for more information.

2 Data connection required. Internet and wireless carrier fees may apply.

 

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Merchant Services

Merchant Services

Increase sales revenue and simplify business operations with our Merchant Services. We offer multiple solutions to suit you and your customers' needs with options to accept credit and debit cards at your place of business, using a mobile device or through your online store. This service expedites the collection of payments into your account and provides quality service and convenience to your customers.

Limited Time Offer

Get a free smart terminal when you sign up*

East West Bank now offers Commerce360, an all-in-one payment and business management platform. Sign up today and get a free, all-in-one smart terminal that does more than just take payments. Accept cards, track sales, manage customers, and run your business from one powerful device.


*Terms and conditions apply.

Learn More

More than payments: Smarter ways to sell, manage, and grow

  • In-store and mobile payments

    Take payments in-store or on the go with our mobile or terminal options. Team members can easily checkout, check sales, and inventory in an instant.
  • Online payments
    Custom-built website and e-commerce, all integrated with your store point of sale.
  • Recurring payments
    Ease collections, support subscription services and enhance the shopping experience with secure, reliable recurring payments.
  • Gift cards and loyalty programs

    Increase traffic, build brand awareness and strengthen customer loyalty by engaging customers on their mobile device, online, on social media and in-person.
  • Cash flow management

    Get quicker access to funds, enabling business reinvestment sooner.
  • Protecting customers

    Access finely tuned and flexible protection tools to help prevent revenue leakage from chargebacks, false declines and manual review.
  • Trusted expertise across industries

    Supporting a wide range of business sizes and sectors – including retail, medical, restaurants, and more – discover payment solutions that fit your business needs.

Whether you’re expanding, streamlining, or just getting started. Let’s help you create a payment experience your customers will love.

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Cash Vault

Our cash vault service transforms your traditional cash depositing experience. This service is designed to reduce the liability of having excess cash on hand, while minimizing the risk associated with taking cash deposits to a branch. Reduce trips to the branch for deposits and/or cash orders. This service makes managing your finances simple, organized, and secure.

 

Standard Service Includes:

  • Increased security—deposits are transported securely via an armored carrier directly to the cash vault
  • Enhanced safety—reduces the risk associated with traveling to the bank with your deposit
  • Convenience—order and receive cash/coin orders without ever leaving the office
  • Flexibility—cash orders can be placed 24 hours a day

 

Related Links

cashBridge®Smart Safe

 

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Smart Safe

Depositing into your cashBridge® Smart Safe enhances the security of your excess cash at your store location(s), while increasing cash availability in your accounts. The deposited cash in the safe will automatically transmit credit card information to your East West Bank account, providing you with secure storage and quicker availability to funds.

 

Standard Service Includes:

  • Secure deposits of cash at place of business 
  • Option to purchase or lease Smart Safe 
  • Receive credit for deposits 
  • Detailed reports available at the business and employee level 
  • Armored transportation of deposits to the bank's cash vault

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Lockbox

Our Lockbox solutions help minimize the time and expenses required to process payments. With our advanced technology, we will process your payments, coupons, and envelopes according to your instructions. The service provides online access to images including remittance coupons, checks, and related correspondence.

 

Standard Service Includes:

  • Wholesale, wholetail and retail Lockbox options available
  • Improve staff productivity and decrease potential of manual entry errors by automating your payment processes
  • Access to Lockbox reports that provide detailed remittance data and images online or through secured transmission, view remittance information and images shortly after process
  • Image capability—dual sided and color images
  • Consistent Lockbox service levels across national footprint with multiple "key- time" mail pick-up during business day

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DirectBiller

Our DirectBiller digital bill pay platform provides your customers a modern, custom-branded payment experience. It manages the end-to-end process from invoicing through payment reconciliation and integrates seamlessly with your billing ERP systems.

Replace manual invoicing, presentment, and collection with our fully automated platform. Your company will benefit from the reduced cost of getting paid and your customers will appreciate the more convenient, expanded payment options.

 

Features and Benefits

  • Eliminate the costs of third-party ACH processors and gateways
  • Receive settlements on the next business day
  • Reduce payment delays with features that encourage on-time, in-full payments
  • Gives customers a variety of payment options: one time, recurring, scheduled, Text to Pay, and IVR (interactive voice recognition)
  • Integrates directly with your ERP system
  • Simple Reconciliation

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Need Help?

Give us a call at
888-761-3967

Email Us

Mon - Fri: 6:00 am to 7:00 pm PT

Disclosure

 

*Offer valid 8/15/2025 through 12/31/2026. Offer available to new merchant customers who open a WorldPay merchant services account and meet all eligibility requirements. Qualifying customers will receive one complimentary Commerce360 Smart Terminal, Smart Terminal Flex, or Card Reader (Smart Terminal Pro excluded). To qualify, new or existing customers must (1) have no transactions processed under an active merchant services account in the past 90 days, (2) meet standard underwriting criteria, (3) sign a minimum three-year merchant services agreement by 12/31/2026, and (4) activate and process at least $100 within 30 days after contract approval. Customer is responsible for shipping and handling. Promotion may be modified or discontinued without notice and cannot be combined with other offers. Additional terms and conditions apply. Early termination fees may apply. Offer available while supplies last.

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