Remote Deposit Capture is a service that uses technology to electronically send your company’s deposits by using a desktop scanner at your place of business. This service eliminates trips to the bank by enabling you to simply scan the checks that you would normally take to the bank for deposit. The check images are then sent via a secure connection for processing without you ever leaving your office.

Features and Benefits of Remote Deposit Capture*:
  • Initiate deposits any time, 24 hours a day, 365 days a year
  • Extended deposit deadlines
  • Reduces manual effort of deposit preparation
  • Images are saved and archived electronically eliminating paper copies
  • Reductions in administrative time and transportation costs
  • Secure delivery of deposits

*Additional Fees may apply with this service.

Ask a Question

For more information or to sign-up for this service please visit your local branch or call us at 443-262-9310.

Finding a payment processing service that fits the needs of your business and the needs of your customers is important. We can provide everything you need from low-cost equipment to specialized services for retail, restaurant, hotel and small or large businesses.

Features of our Merchant Services* Offerings:
  • Electronic methods for processing: wireless solutions, mobile, e-commerce & POS terminals
  • Specialized approach to transaction processing for health care providers, public entities, municipalities, direct response, catalog merchants, as well as brick and mortar retailers
  • A web based reporting system for merchants to access portfolio reports
  • Wide selection of payment processing solutions to increase revenue for your business including: check services, gift & loyalty card programs & merchant cash advance
  • 24/7 help desk and merchant activation training and support
  • Next business day funding 
  • Access monthly statements and view settled batches online

*Additional Fees may apply with this service.

MEet Our Merchant Services Partner

For more information or to sign-up for this service please visit your local branch or call us at 443-262-9310.

Our check reconciliation service through Online Banking (also known in the industry as Positive Pay*) provides a strong defense against check fraud. This optional service allows our business clients to maintain a list of issued details, such as check number, payee and amount to compare to their daily in-clearing checks. The system generates a daily report listing any discrepancies between the issued check items and the cleared items. Our clients can review the exception items identified and make a decision whether the check should be paid or returned to the depositor. 

How it Works 
  • Your company transmits a file containing the checks issued prior to distributing
  • Checks are presented and compared against your company file looking for a match in check serial numbers and/or amounts 
  • Checks that do not match become suspect and are manually examined for encoding or misread errors
  • Suspect checks are reported to your company online and the company advises the bank on how to proceed (pay or not pay)
*Additional Fees may apply with this service.

For more information or to sign-up for this service please visit your local branch or call us at 443-262-9310.

Automated Clearing House (ACH)* allows you to initiate electronic funds transfers (EFT) to or from accounts between financial institutions within 2-3 business days through:

  • Direct Deposit Payroll: With proper authorization from the recipient, you can electronically transfer funds from your designated settlement account with Shore United Bank to your employee’s designated account(s).
  • Direct Payments: You can collect one-time or recurring consumer payments, with proper authorization from the recipient, by electronically transferring funds from the recipient’s designated checking or savings account at Shore United Bank or another financial institution.
*Additional Fees may apply with this service.

For more information or to sign-up for this service please visit your local branch or call us at 443-262-9310.

If you need to transfer funds to another person or business quickly, a wire transfer may be a good option. Wire transfers allow you to move money electronically from one person to another, domestically or internationally, directly from your account to their account. To initiate a wire transfer from your Shore United Bank account, contact your local branch. If your business makes wire transfers often, you can sign up to add wire transfer requests to your business’s online banking.

Please note:  Fees are associated with this service.

InTouch Telephone Banking gives you access to your accounts 24 hours a day, 7 days a week using a touch-tone telephone. 

Call toll-free at 888-758-4900 or use one of our local numbers; MD: 410-758-4900 or DE: 302-284-1600 to obtain:

  • Account information
  • Transfer funds
  • Place a stop payment
  • Locate branch locations and hours
  • Report a lost or stolen ATM or Debit Card
Funds transferred before 6:00 p.m. Monday through Friday will be credited the same banking day, all other transfers will be credited to your account on the next business day.

To access your accounts using the InTouch Telephone Banking service, you will need:

  • Your account number
  • The last four digits of your social security or tax I.D. number
  • Your 4-digit Personal Identification Number (PIN)
  • First Time Users will use their full social security or tax I.D. number, then select a 4-digit PIN

In the event you are are not able to access your account information using the InTouch Telephone Banking Service please contact your local branch .

Having insufficient funds in your business account can put you and your company at risk for bouncing checks or having your ATM / Debit Card transactions denied. Or more importantly it can mean losing a deal with a potential client, embarrassing phone calls, and unwanted fees charged by vendors.

As a benefit to our business customers, we offer a service to help you manage unexpected overdrafts. Our Business Overdraft Service is a discretionary service we add to your checking account to cover overdrafts. While we are not obligated to pay any item presented for payment if your account does not contain sufficient funds, we will strive to pay your overdrawn items and charge our standard NSF/OD fee for each item overdrawn. This service is a discretionary courtesy and is subject to eligibility criteria and may be withdrawn at any time. Payment of your overdraft item is NOT guaranteed. 

For business accounts, our Overdraft Service covers the following transactions:
  • Checks written to third parties
  • Bill payment transactions
  • Pre-authorized automatic debits
  • ACH items
  • ATM withdrawals
  • Everyday Debit Card transactions

While you may never need to take advantage of this service, you may find it useful in the event of a temporary shortfall. If you do not want this service and prefer to have your non-sufficient fund items returned and or denied, simply call 844-327-7395 (toll free) or visit any of our convenient branch locations and we will remove this service from your account. Additional details about this service are outlined in our Business Overdraft Service Disclosure.

Shore United Bank is here to help you with all of your business needs, including one of your biggest headaches—returned checks.
Re$ubmitIt® is a service we offer that significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks and get 100% of the face value of all checks that are collected electronically!
To be eligible for Electronic Recovery, a Returned Check Must:
  • Be a personal check to a business (not business-to-business)
  • Be under $2,500
  • Be less than 180 days old from date of transaction
  • Cannot have been already submitted twice, either electronically or by paper draft
What Happens to Ineligible Checks?
Returned items that are less than $2,500 and ineligible for electronic re-presentment are re-submitted to the check writer’s account as a paper draft, subject to eligibility requirements. Items equal to or greater than $2,500, are not eligible for Re$ubmitIt® services.
How Does Re$ubmitIt® Work?
The Re$ubmitIt® electronic returned check processing service handles the re-presentment process from beginning to end, via the Automated Clearing House (ACH) network for re-presentment directly to the check writer’s bank account.
  1. You must provide your customers with one of the Re$ubmitIt® check policy disclosures by:
     (a) posting the check policy disclosure stickers at the point of sale where you accept checks; 
     (b) printing the check policy disclosure on your invoices; or
     (c) including the check policy disclosure in your service or sales agreement.
  2. Returned checks are sent from Shore United Bank to Re$ubmitIt®, where eligible checks are converted into electronic items for re-presentment to the check writer’s bank account for payment.
  3. The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven “smart dates” improves the chance of payment.
  4. If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (three total). If this third presentment fails, the check can be forwarded to a collection agency to conduct FREE secondary collections, or the check can be sent back to you.
  5. Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer’s account is charged a returned check fee as compensation for the processing services
  6. To sign up for this free service, print and return the completed agreement to Re$ubmitIt® Processing Center, PO Box 932, Dunedin, FL 34698.

Ask a Question Contact Your Local Branch

Why carry cash when you can use your debit card for purchases?
  • Make purchases anywhere Visa is accepted
  • Withdraw money from one of our convenient locations or through the Allpoint Network (over 55,000 locations) 
  • Obtain balance information
  • Transfer funds
  • Visa Zero Liability protection*
  • Real-time fraud monitoring
Apply for a Visa Debit Card:

Submit Your request online Contact your local branch

Protect yourself against fraudulent transactions. Get a text or e-mail when you pay with your Visa card. 
  • Optional Visa Purchase Alerts - Anytime a qualified Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds via email and/or text message. You can set alerts for amount thresholds, online orders, international transactions and more.

Register for VISA Purchase Alerts

For fraud prevention purposes we find it necessary to block Visa Debit Card transactions from certain countries, locations and/or merchants from time to time. 

View current blocked list

To Report a lost or stolen ATM or Visa DEBIT CARD:

Immediately deactivate your card by calling 888-758-4900, option 6, or 888-297-3416.  Please do not send an e-mail to report a lost or stolen card.

* Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Subject to timeliness of notification by cardholder of unauthorized use.

Visa Debit Card Images:

We offer images that can be printed on your debit card at the time of issue. You can choose between an image of puppies, a sunset, an American flag or camouflage to be printed on your debit card. Stop by any branch and apply today! Once approved, you can leave with your new debit card the same day using our convenient Instant Issue. 

Debit card images are available for both Personal and Business accounts.