Cash Management Services

Winchester Savings Bank has a full suite of Cash Management Services, including ACH Origination, Remote Deposit Capture, and Zero Balance Accounts for our business customers!

If you are interested in learning more, please contact our Cash Management Department at (781) 368-9261 or at


ACH Origination

Automated Clearing House (ACH) Origination

ACH Origination enables business customers to send and receive money electronically through Business Online Banking. This service can be used for a variety of reasons, such as vendor payments, payroll direct deposit, and rent collection.

Remote Deposit Capture

Remote Deposit Capture (RDC)

RDC allows you to process check deposits electronically from your office. All you need is an approved RDC scanner, a computer with an Internet connection, and access to Business Online Banking. The RDC scanner will capture an image of each deposited check, the images are then transmitted to the bank for processing. Remote Deposit Capture will save you a trip to the bank and has the ability to improve cash flow.

Zero Balance Accounts

Zero Balance Accounts (ZBA)

A Zero Balance Account automatically consolidates funds from multiple business accounts into one primary account at the end of each day. This allows you to segregate funds for reconciliation purposes (payroll, operating, etc.) and eliminates the need to monitor each account daily, as funds are automatically transferred as needed each night.

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