• 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.


• Sierra Platinum Sweep: Maximize your excess cash over $50,000 with this automated solution that sweeps idle funds from your Sierra Business Analysis Account into an interest-bearing Bank of the Sierra Money Market Account. Learn More.

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 Cash Management.

ACH Positive Pay: Fraud prevention service that allows our business clients to manage and review ACH debit transactions that posted to the account the prior day. This service allows businesses to identify potentially fraudulent transactions and decide whether to return or pay items after they have posted the following day.

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 Cash Management as exceptions the next business day.

Fraud Prevention Services

• 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.