Improve cash flow by making the payment process more reliable.

Paducah Bank has everything your business needs to efficiently manage payables.

Automated Clearing House

Automated Clearing House (ACH) Electronic payments and collections via the Automated Clearing House (ACH) are the best way to streamline payables and receivables and reduce your costs of collecting and receiving payments. ACH transactions offer a host of cash flow benefits for your business, including reduced payment costs, better control of payment timing, greater payment reliability and more accurate cash forecasting. The most common ACH applications include:

• Payroll direct deposit
• Pre-authorized debits and credits
• Vendor payments
• Cash concentration and disbursement
• State and federal electronic tax payments


SmartPay is an employer-sponsored service allowing employees to receive their payroll deposit via direct deposit to a Paducah Bank SmartCard. Using this service, in conjunction with your traditional direct deposit, allows you to move to a total electronic payment process which eliminates manual payroll checks! 

Zero Balance Account (ZBAs)

This account management service allows for establishment of a master operating account with one or more sub accounts for specific purposes. ZBAs can be established for both payables and receivables and can provide efficiency to your reconcilement process while also allowing a segregation of certain types
of transactions. Some common uses for ZBAs are payroll, credit card, T&E, Wire Accounting and many others.

Wire Transfers

Wire transfers are the most immediate, reliable and secure means of transferring funds available. They are usually most appropriate for high-dollar, time-sensitive transactions.

Business Credit Cards

The Paducah Bank business credit card gives you flexibility and security to manage payments for your business that need to be transacted at the point-of-sale or online. You maintain control over purchases by managing cardholder limits and reviewing transactions via an online portal. Our business credit cards come with options such as low rate, cash back or flexible rewards.

Have questions about payable services for your business? Contact us or stop by one of our Paducah or Louisville, KY branches.

Business Credit Cards

Enjoy flexible spending options for everyday business expenses.