Business Banking Services

When it comes to meeting your banking needs, we mean business.


We have a long history of helping entrepreneurs, small businesses and other local institutions thrive. We'll guide you through all of our business banking services to find the best solution for your current needs and future goals. 

ACH/Payroll Services

Gone are the days of writing checks. Send or receive payments quickly and securely whenever and wherever you are. Our ACH and payroll services are a convenient solution for recurring or one-time payments such as:  

  • Employee payroll via direct deposit 

  • Vendor invoices 

  • Collecting payments from customers

Paychex, our preferred partner for payroll services also provides workers' compensation insurance and tax payment services. To learn more about Paychex and their services click here.

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Merchant Processing Solutions

With our preferred payment processor, Elavon, we have payment solutions that evolve with your business needs.  Whether you’re in healthcare, retail or food and beverage, Elavon has tailored payment solutions to support the way you do business. Their advanced security measures ensure the safety of your customers’ sensitive data is always top of mind. With 24/7 customer support, Elavon is there for you when you need it.  

Payment Solutions with Cobalt and Elavon

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Funds Recovery Service  

With our funds recovery service, there’s no need to worry about chasing down a bad check. This free service eliminates the inconvenience, allowing you to focus on more important business matters.

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Online and Mobile Banking 

Stay up-to-date on all of your business account activity and manage your banking needs from your desktop or mobile device. Additionally, our online bill pay allows you to take the hassle out of paying bills. Login to our online banking portal or download the business banking mobile app below to get started. 

Download the iPhone App          Download the Android App

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Free Educational Resources

Learn more to grow more. Check out the following collections of articles and tools to help you make the most of your business funds.

Starting A Business      Managing Your Business      Growing Your Business

Meet the Expert - Steve Johnson

Steve Johnson

As Cobalt's VP of Business Banking & Treasury Services, Steve is responsible for business development and works with business owners, assisting you in utilizing the full array of Cobalt's business banking services, including depository solutions, payment and cash flow tools, online and mobile banking and lending solution tools.

Steve has several years of banking and business lending experience, and he has over 20 years of experience working with small businesses. Steve understands the challenges business owners face and works to eliminate barriers to improve your bottom line.

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Ready to get started?

Please fill out the form below and a business banking services representative will contact you shortly!

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