Cash Management

Merchant Services

Whether you are a new or established business, we will assist you with evaluating your credit card processing needs. Rondout Savings Bank has formed an alliance with TSYS to offer you a full service credit card acceptance program to meet your business needs.


  • Competitive processing rates
  • No long-term contract or hidden fees
  • Exceptional Help Desk service available 24/7/365 for your convenience
  • All major credit cards accepted
  • PIN-based debit and electronic check acceptance
  • New or refurbished point-of-sale equipment
  • Internet and software solutions available
  • Affordable gift card programs
  • Available 24 hour settlement of accounts
  • Detailed account information available online anytime
  • Free evaluation and cost comparison
  • No need to change current deposit relationship
  • EMV Terminals
Remote Deposit Capture

Remote Deposit Capture allows you to scan checks and transmit scanned images to Rondout Savings Bank for posting and clearing. Save time by not having to send an employee to one of our branches to transact business. The basic requirements for this service are a PC, an internet connection and a check scanner. Checks you receive at your location can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted internet connection to Rondout Savings Bank for clearing and posting.

What’s required?

  • An active business checking account with Rondout Savings Bank
  • Adequate secure storage for imaged checks
  • A scanner, which we provide
  • A PC with Windows 8.1 or 10
  • A high speed Internet connection
Positive Pay

Positive Pay is an anti-fraud tool that detects and prevents fraudulent check transactions. Through Positive Pay you can submit your business check register through Online Banking. Positive Pay matches the account number, check number and dollar amount to each check that is presented for payment.

How Does it Work

  • Each day, checks will be marked as an “Exception Item” if the check:
  • Is not listed in the check register that was submitted.
  • Is a duplicate of a previously paid item
  • The check has a Stop Payment in place
  • The check is listed as Voided within the check register
  • Has a different dollar amount than what is listed in the check register
  • Does not have a check number or does not match what is listed in the check register.

Checks that are listed as an “Exception Item” can be viewed by the customer to determine if the check is fraudulent. After viewing the check, the customer can decide to pay or return the item.

Automated Clearing House Services

With ACH, businesses can make electronic funds transfers from the convenience of their desktop. This service allows you to create, upload, import and submit ACH files to Rondout Savings Bank for further processing.


  • Easily execute debit / credit functions
  • Offer your employees direct deposit payroll*
  • Provide your customers with direct debit billing
  • Have membership dues debited from customers
  • Create ACH formatted files within Internet Banking or upload files to Internet Banking from your existing software

*Not a payroll services provider.

Online and Mobile Banking

With Rondout Savings Bank’s Online and Mobile Banking service, you have the freedom to access your accounts when you want and where you want. This great service provides convenience and flexibility to access your accounts 24 hours a day, seven days a week!


  • Check Balances
  • eStatements
  • SPIN
  • Bill Pay
  • Debit Card On/Off
  • Manage Alerts
  • Budget