Improving cash flow starts with improving collections.

Solutions to simplify the AR process for your Kentucky business.

Capture It

Tired of trying to beat the afternoon traffic and the clock to get your deposit to the bank before it closes? With Paducah Bank’s eCaptureIt service, you don’t have to leave your desk to go to a branch. With innovative technology, simply use a special scanner to capture check images and safely transmit your deposit to Paducah Bank for processing. All you need is a computer and a secure internet connection. As a result, you will receive faster access to funds and improved cash flow. No driving. No delays.

Benefits include:

• Enable your corporate office to see deposits being submitted from your multiple store locations.
• More processing time combined with extended deposit cutoff times can provide your business with faster funds availability.
 Deposits submitted by 4:45 p.m. Central Time are available the following business day.
• Eliminate geographical boundaries.
• Assist in reducing fraud risk by identifying return items faster.
• Reduce transportation expenses and risk as most deposits can be made without ever leaving the office.

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, 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

Lockbox Service

Our lockbox service streamlines your receivables process by adding efficiency to your business operations and improving your cash flow. Payments by check are delivered directly to the lockbox, along with other related documents, and will be processed on your behalf and deposited directly to your business account. Your team will have online access to view images of the items and documents along with the option to retrieve reports.

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.


Many incoming ACH payments now contain addendum information that is vital to the receivables posting process. Our EDI service will translate this information into a format allowing your staff to appropriately apply these payments to your A/R systems.

Merchant Processing

Convenience in payment processing is an important feature for your customers. Allowing your clients to pay you via card transactions is an important tool for efficiency and streamlines your receivables process. You will receive payment into your Paducah Bank account within 24-48 hours for customer payments made with their Visa, MasterCard or other cards as well.  Merchant's Pact is our partner for providing this solution for our clients and is a true leader in the industry.

Merchant's Pact Introduction

Business Credit Cards

Enjoy flexible spending options for everyday business expenses.