Collect | Get paid faster and stop chasing down what you’re owed.
From recurring billing to check deposits, Equity Bank gives your business the tools to collect payments on your terms, with less manual work and faster access to your cash.
ACH Collections
Automatically pull recurring payments from customers. No invoicing, no follow-up, no delays.
Set your collection schedule once and let it run, freeing up time for the work that actually grows your business.
Reduce outstanding receivables and improve cash flow predictability month over month.
Credit Card Processing
Accept Visa, Mastercard, Amex, and Discover at competitive rates; in store, online, or on the go.
Choose the setup that fits your business: countertop terminal, virtual gateway, mobile reader, or full e-commerce integration.
A dedicated relationship manager and built-in PCI compliance support take the complexity out of card acceptance.
Remote Deposit
Deposit checks from your office, no trips to the branch, no waiting in line.
Scan and submit check images for same-day deposit, no matter how many checks you receive. (Submit by 5 PM for same-day availability; after 5 PM, next business day.)
Reduce collection float and get faster access to funds that are already yours.
Lockbox
Let Equity Bank receive and process mailed payments on your behalf, so nothing falls through the cracks.
Cut the time between when a payment is sent and when it hits your account eliminating mail, processing, and desk float.
Handles everything from high-volume retail payments to large wholesale transactions.
Frequently Asked Questions
A lockbox is a payment processing service where your bank receives, opens, and deposits mailed payments on your behalf. Instead of checks arriving at your office and waiting to be processed, they go directly to a designated P.O. box managed by Equity Bank. We process and deposit them the same day they arrive — cutting the time between when a payment is sent and when the money is in your account. Lockbox is particularly valuable for businesses that receive a high volume of mailed payments, such as property managers, utilities, and wholesale distributors.
Remote deposit capture lets you deposit checks without visiting a branch. Using a desktop scanner or mobile device, you capture images of the checks and submit them electronically — Equity Bank posts the deposit directly to your account. For businesses that regularly receive checks from clients or customers, it eliminates trips to the bank, speeds up access to funds, and reduces the administrative burden of manual deposits.
ACH collections pull funds directly from a customer’s bank account on a schedule you set — ideal for recurring billing, subscriptions, or membership fees where the amount is consistent. Credit card processing lets customers pay with a card at the time of purchase, either in person, online, or via mobile. ACH tends to have lower transaction costs and works best for predictable, recurring payments. Card processing offers more flexibility for variable or one-time transactions. Many businesses use both depending on the type of payment they’re collecting.
Yes. Equity Bank’s credit card processing solutions include e-commerce integration, so businesses that sell online can accept all major card brands through their website. Whether you need a hosted payment page, a gateway integration, or a full virtual terminal, our team will work with you to find the setup that fits your platform. A dedicated relationship manager guides you through setup and ongoing PCI compliance requirements.
PCI compliance refers to the Payment Card Industry Data Security Standard — a set of security requirements that any business accepting credit or debit cards must meet. Maintaining compliance protects your customers’ card data and protects your business from fines and liability in the event of a breach. Equity Bank partners with BASYS to provide dedicated PCI compliance support as part of our credit card processing service, so you’re not navigating the requirements on your own.
The fastest way to reduce collection time is to eliminate manual steps from the process. Equity Bank’s collection tools are designed to do exactly that — ACH collections automate recurring billing, remote deposit eliminates branch trips for check deposits, lockbox removes the processing delay on mailed payments, and card processing gives customers an instant payment option. Together, these tools can dramatically shorten the gap between when a payment is due and when cash hits your account.
Yes. Equity Bank works with BASYS, a Lenexa, KS-based payment processor, to provide credit card processing for businesses of all sizes. Through this partnership, you can accept all major card brands across multiple payment channels, countertop terminals, mobile, and e-commerce.