INTERNET BUSINESS BANKING
Online banking for businesses! Internet Business Banking offers online commercial cash management services, such as account inquiries and transfers as well as status reports of recently cleared checks. The ability to access commercial financial account information 24 hours a day from your PC can help in researching past account transactions as well as account reconciliation. Account information can be saved and printed as you need it, anytime… any day… any way you want it.

BUSINESS PHONEBANK
Check your business account balances whenever you need them. Now you can access your business checking and savings account balances, loan balances and even the balance of your CD account through any telephone, anywhere.

Just Imagine! Now you can call the bank for this information when you want, 24 hours a day!

	Transaction History
	You can obtain detailed information about your account by requesting either specific check numbers or a listing of the last 10 debits or credits.
	Current Rates
	You can use the PHONEBANK immediately to obtain interest rates on savings accounts and CDs. Just dial 1 800-888-4203 to see how easy it is to use.
	Transfer Money Between Accounts
	Add money from your savings account to cover payroll or operating expenses. Transfer funds from your checking account to make a loan payment. Whether you're out of town or just working late at night, you can move money between your Hilltop accounts with the touch of your telephone keypad. Your PHONEBANK transactions will appear on your monthly statement. NOW you can do your banking when you want to, without any interruption to your business.
	How Do I Use PHONEBANK ?
	For rate information, simply dial 800 888-4203 and follow the instructions. If you wish to take advantage of the other options Hilltop's PHONEBANK has to offer, sign up when you open your business account with us or see a Hilltop representative to have the PHONEBANK service added to your existing account.

ACH Direct Deposit
ACH Direct Deposit services provide your company with an economical means of disbursing funds to your employees electronically. ACH Direct Deposit may be used to deposit employee salaries or wages, expense reimbursements, pension payments or any other type of recurring payment. Employee accounts can be located at Hilltop Community Bank or other financial institutions.

In addition to providing you employees with added convenience, security and flexibility, Hilltop Community Bank offers a comprehensive service charge free Direct Deposit Employee Checking program featuring many free and enhanced banking services for employees who choose to have their funds directly deposited by their employer. Let us put together an employee banking package for you and your employees.

Your company benefits from an electronic based disbursement system through cost reductions, ease of distribution, and reduction of potential check fraud.

Wire Transfer
Our wire transfer service allows you to initiate and receive both domestic and international wire transfers. You can initiate repetitive and non-repetitive wires through your account manager.

Outgoing wires are charged against your Hilltop Community Bank checking account at the time your wire instructions are received and credited to your account as soon as incoming wires are received. Incoming and outgoing wire activity can be confirmed through use of our Internet Banking service or by PHONEBANK, our automated telephone banking service.