Government Premier Interest Checking
Designed to meet the everyday needs of governmental entities, this interest-bearing checking account provides an efficient way to manage municipal funds. With a competitive, tiered interest rate structure, municipalities can maximize their account balances.

Government Checking Account
This account is ideal for funds—like grant monies—that need to be deposited in a noninterest-bearing account.

Government Money Market Account
Designed for finance officials who want to maximize investment income without giving up liquidity, our money market account earns a competitive, tiered interest rate. What’s more, the highest rate tier is attainable with balances of just $100,000, making this account ideal for even the smallest municipalities.

Government Certificates of Deposit
Diversify your savings portfolio with CDs that deliver a guaranteed rate of return for the entire term. Terms are available from 3 months to 5 years.

Government Lending

Let us help you meet your financing needs for capital projects and cash flow with competitive financing solutions! Our Government Bankers understand and value the municipal market and can work with you to find a financing option that supports your short- or long-term financial needs.

  • Bond Anticipation Notes (BANs)
  • Tax/Revenue Anticipation Notes (TANs & RANs)
  • State and Federal Aid Anticipation Notes (SAANs & FAANs)
  • Serial loans ranging from 2 – 10 years

Government Cash Management

Manage Cash Flow

Reduce the time and costs associated with filing and reporting payments with the help of Electronic Data Interchange (EDI) reporting. This is an ideal service for municipalities that receive direct deposit of state aid payments because you’ll receive detailed transaction reports by email for streamlined recordkeeping.

Connect a master account to an unlimited number of sub accounts for robust, consolidated month-end reporting. This service is ideal for trust funds, special revenue funds, stabilization funds, enterprise, CPA, and other non-general fund monies. Even better, no minimum balance is required.

With a zero-balance account, collected funds are swept daily to and from the Government Premier Interest Checking account. Funds are concentrated from several accounts into a single, interest-bearing account, eliminating float in vendor, payroll, and other checking accounts and maximizing investment income.

Our popular Visa® CommUNITY Credit Card can help you manage cash flow and expenses for your municipality. Your organization will benefit from the purchasing power, spending tools, and important features like consolidated statements, generous credit lines, and different limits for each cardholder.

The creditor and issuer of this card is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc.

Manage Collections


Enjoy the freedom of scanning checks for deposit and transmitting the images directly to us—right from your computer and whenever it’s convenient for you! Increase employee productivity by reducing the time and travel needed for bank visits and make more frequent deposits to your Government Premier Interest Checking account to help increase interest earnings. What’s more, images of deposited items are at your fingertips!


Let us help your government entity streamline payment processing and tracking.

Wholesale Lockbox

Accelerate the collection of your receivables and save yourself valuable clerical time. You receive fast and accurate credit to your account. Our service includes image capture that utilizes state-of-the-art hardware and software to capture the image of the check and the invoice. These items are available for you to view the same day they are processed.

Retail Lockbox (OCR)

Retail lockbox service uses optical character recognition (OCR) to collect payments and capture the remittance data. We provide you with an electronic output of your remittance data and special reports that automate the posting to your accounts receivable system.

Manage Payments


Transfer funds anywhere, quickly, and easily, with a high level of security and minimal clerical effort. Initiate wires through eBusiness Solutions to any financial institution in the U.S.


Today’s technology creates new avenues for fraud, which can be costly and time consuming. Positive Pay can help protect you by preventing unauthorized checks or ACH transactions from posting to your account. Both Check Positive Pay and ACH Positive Pay are integrated with eBusiness Solutions to provide a single login and Check Positive Pay is integrated with our teller processing system to alert tellers — in real time — whether to block checks from being cashed at any branch in our network. It is also integrated with our inclearing systems to prevent fraudulent checks from being paid. It’s the ultimate fraud protection!

Check Positive Pay

When your municipality issues checks, you electronically upload a file of those check numbers, dollar amounts, and payee names to us through eBusiness Solutions. We’ll match every check presented for payment against that file. If they match, the checks are paid. If not, the checks are rejected, and you decide whether to pay or return them.

ACH Positive Pay

When your municipality authorizes companies to electronically withdraw funds from your account, you provide a list of those companies to us through eBusiness Solutions. We review all ACH debits and allow only those from authorized companies to post to your account. All others are rejected, and you decide whether to pay or return them.


ACH payments can help streamline any size municipality’s payment of funds and improve efficiencies in accounts payable. Take advantage of the ACH system by initiating payments electronically, including direct deposit of payroll, vendor payments, federal tax payments, and more.


Reconciling accounts can be cumbersome. Why not let your finance team spend more time managing cash flows, and less time chasing uncleared checks or matching paid items back to the statement? We can help you simplify and streamline your monthly reconciliation efforts with these support options.

Full Reconciliation

Upload a file of issued checks, and we match checks issued with checks paid. Monthly reports are available through eBusiness Solutions, including a paid and outstanding item report, and an exceptions report for items like voids and deletions. Report data includes:

  • Check number
  • Check amount
  • Date issued
  • Date paid

Partial Reconciliation

Unlike Full Reconciliation, there’s no need to provide us with a file of issued checks. Instead, you use eBusiness Solutions Online Banking to view, print, or export paid-check data, including:

  • Checks paid
  • Check numbers
  • Dates paid
  • Dollar amounts

Cash Management Solutions are available to municipal customers. Fees may apply.
*Services require review and approval.
Not all customers are eligible for these services.

Ebusiness Solutions

Online Business Banking
Access the tools you need to manage municipal finances simply and securely from anywhere in the world with our completely flexible eBusiness Solutions online cash management platform. You choose the modules that best meet your specific needs, then limit the entitlement of staff to each module based on your municipality’s security requirements. You can even build in dual approvals and dollar limits for certain transactions. View real-time balances and transactions, access reporting, originate ACH and wire transfers, make transfers, initiate stop payments, access Bill Pay, download to QuickBooks®, customize alerts, and much more.

Mobile Banking
Download our free* Mobile Banking app to your Apple® or Android™ device to access account information and banking tools on the go. Just use your eBusiness Solutions login credentials to access the app. View balances, make internal transfers, pay bills, approve and authorize ACH, and deposit checks—all from the convenience of your mobile device!

*Your internet-enabled mobile device, with data plan required. Applicable data charges from your mobile carrier may apply. We recommend that you subscribe to an unlimited data plan before using Mobile Banking services.
Apple is a registered trademark of Apple Inc.
Android is a trademark of Google LLC.

People in an office

Meet our Team

As a true community bank, we have experts dedicated to meeting the financial needs of municipalities. We can provide depository, investment, lending, and cash management services for Cities, Towns, Districts, and Authorities. For more information or to open an account, call 844.ESB.GOVT (372.4688) or visit our Northampton Street Office in Easthampton.