• Automated Clearing House (ACH) Origination – Payables: Increase control of payments and use ACH origination to streamline your employee payroll. Easily make one-time and recurring vendor payments by sending funds directly to recipients’ accounts.


• Wire Origination: Business clients can initiate outgoing wires in U.S. dollars to approved destinations, domestically or internationally, to make recurring and one-time payments.

• Zero Balance Account (ZBA): Improve budget management and maintain an efficient cash position with this centralized account, which automatically transfers funds between your Bank of the Sierra Business Checking Account(s) to cover upcoming transactions.


• Sweep Services: Maximize your cash position by automatically moving funds daily from a main account to investment accounts or to pay down loans. Increases flexibility as you set the amounts and the deposit or loan accounts to which the funds are applied.

Positive Pay & Payee Positive Pay: Help protect your business from costly fraudulent check transactions. Our fraud prevention tools can help catch unauthorized or suspect checks before they post to your account.

Positive Pay & Payee Positive Pay allows your business to upload your check issuances and any check that clears the day prior will be presented as an exception through Sierra Commercial Banking.

ACH Positive Pay: Bank of the Sierra’s ACH Positive Pay service can help reduce the expensive risk of ACH fraud and increase your control over ACH disbursements. ACH Positive Pay matches information you provide on valid ACH transactions with the data captured during ACH processing. Any discrepancies will be presented to you in a convenient exception report that allows you to pay valid items and return fraudulent items.

For ACH Positive Pay to work, business customers must first indicate which ACH debit transactions should be allowed to be paid on their account. Then, our system uses these rules, customized by the account holder, to determine which of the prior day’s ACH transactions will be presented within Sierra Commercial Banking as exceptions the next business day.

• Secure File Transfers: Facilitates data access and data transfer with our commercial clients efficiently and securely. Secure File Transfers are commonly used for payroll, uploading payment data for fraud preventions services and more.


• Bank Administration Institute (BAI): BAI2 file format is a specialized and standardized set of codes used for Treasury Management by the Bank Administration Institute. BAI2 files are a daily output of all account activity and sent securely through our secure file transfer services.

Several ways to generate reports are at your fingertips, including account reconciliation and recaps of the previous day.