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Money Management

Empower Your Small Business

Take a moment to explore our banking products and services below to see which combination will meet and exceed the needs of your business.

Remote Deposit Capture

Deposit Payments Faster. Easier. Smarter.

Remote Deposit Capture allows you to use a high-speed scanner to quickly make your business deposits electronically, without the daily or weekly dash to the bank.

  • This service provides extended deposit windows, up to 6pm, during normal business days. Deposits made outside this time frame are effective the next business day.
  • Make deposits anytime
  • Save time preparing deposits
  • Reduce the risk of check fraud
check scanner


Using automated clearing house (ACH) payments is a cost-effective way to collect and deposit funds efficiently.

This method works well for routine transactions, including paying vendors, direct deposits and taxes. We offer the following solutions through ACH:

  • Vendor payments
  • Cash concentration recurring or pre-authorized direct debits
  • State and federal tax payments
  • Direct deposit or payroll
  • Expense reimbursements
  • Same-day ACH origination (for eligible transactions)
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You no longer need to go to a branch to affect a wire transfer with MSB Business Online.

You can securely wire money from your pc, tablet, or mobile device. To do a wire transfer, reach out to our cash management team. Here are a few features of our wire transfers:

  • Store your account and routing information
  • Send immediately or schedule a transfer date
  • Initiate transfers in a few clicks
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Credit Card Processing

Streamline Your Payment Process.

Through our partnership with BASYS Processing, we can provide fast and reliable funding that helps your business manage cash flow.

Service – Save valuable time and skip the lines with:

  • Dedicated relationship manager
  • Access to our Payment Card Industry (PCI) Compliance Team
  • No phone menus to navigate
  • Calls answered by a live agent

Solutions – Make accepting payments simple and affordable with:

  • Wholesale pricing
  • Customized processing solutions
  • Reliable next-day funding
  • Gift and loyalty card programs

Technology – Process payments however and wherever with:

  • (EMV) chip-compliant terminals
  • Mobile processing for phone or tablet
  • Online solutions — e-commerce and virtual terminals
  • Clover point-of-sale solutions
woman paying for coffee with credit card on mobile payment machine

Video Tutorials

Learn how to make the most of our money management tools.

Computer showing ACH form
ACH Overview
Computer screen showing merchant capture screen
Merchant Capture
How to send a wire
Sending a Wire
Our Disclosures

Please refer to our current General Services Fee Schedule or consult a member of the Cash Management Solutions Team for more details.

We're Here to Help

Machias Savings Bank offers cash management for Maine small businesses. To learn more about these services, fill out the form below and a cash management team member will follow up with you.

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It’s our job to focus on the little things, like payroll, so you can focus on the big things and keep moving your business forward. Say “Yes!” to our payroll services!

Learn More About Payroll
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Exceptional Checking

A non-interest-bearing account that offers all the banking essentials to help you focus on growth or start a new business.

Learn More About our Exceptional Checking Account
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Fraud Prevention

Protect your business with automated fraud prevention services that reduce exposure to check and ACH debit fraud.

Learn More About our Fraud Prevention Services
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