Nicolet offers an array of services designed to help your business efficiently and profitably handle its cash balances. It's another way that Nicolet focuses on creating advantages for you.

Nicolet uses a product called an Investment Sweep Account that enables your company's excess cash to earn 24 hours per day. Each night, excess cash is swept from designated accounts into a separate investment account that's collateralized by U.S. Treasuries and securities owned by Nicolet National Bank. Every morning, the balances are again available for normal daily commercial transactions. This automated process manages your company's excess cash in the most efficient manner possible.

Nicolet uses a product called Nicolet Funds Management for companies with commercial lines of credit. Like the Investment Sweep Account above, this product also ensures your company's excess balances are earning 24 hours per day. The Nicolet Funds Management account first uses excess balances to pay off your line of credit. Once that's paid off, excess balances are swept to a Repurchase Account to continue the earning process. When a balance is required in your Commercial Checking account, funds are taken from the Repurchase Account first, followed by the line of credit.

Nicolet's Zero Balance Account eliminates the need to maintain idle balances in your other disbursement accounts. Funds are transferred automatically between your main account and your subsidiary accounts, eliminating the need for inefficient manual transfers. Zero Balance Accounts enable your company to use its available balances in the most efficient manner possible.

Nicolet offers a full array of ACH (automated clearing house) services. Your company can originate ACH payrolls, collections and tax payments through the convenience of online technology. The ACH network is faster and more secure than traditional paper channels, and Internet-based software allows you to perform these transactions from anywhere Internet access is available.

Nicolet offers online banking made easy. Through our Web site partners, you can access the latest information on checking accounts, savings accounts, Money Market accounts and the complete lending relationship. You'll also appreciate the convenience of transferring funds between accounts or to and from loans, viewing images of paid checks, and placing stop-payment orders on missing checks.