While we love to see our business clients regularly, we can imagine that there are many other things you want to accomplish other than making a trip to the bank. That’s why we offer services to improve access to your funds without compromising account security. These convenient business banking services include:

Remote Deposit Capture

Remote Deposit Capture is a service that electronically submits your business’ bank deposits using a desktop scanner at your place of business. It eliminates the need for regular trips to the bank by allowing you to simply scan the checks that you would normally take to the bank for deposit. The scanned checks are then securely sent to us for processing. Electronic images of each scanned check are archived for future access, eliminating time-consuming photocopying and filing tasks.

Additional fees may apply with this service.  For more information about Remote Deposit Capture, contact your local branch or call us at 443-262-9310.


Automated Clearing House (ACH) Origination

ACH Origination is another option available to help you minimize check fraud and process payments more quickly than checks. ACH transactions are electronic debits and credits to or from a bank account in the U.S. ACH origination allows you to initiate electronic funds transfers (EFT) to or from Shore United Bank and accounts at other financial institutions within 2-3 business days. ACH Origination can be used for both business and consumer transactions.

The most common uses for this service are:

  • Direct Deposit of 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) at Shore United Bank or other financial institutions.

  • 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 with Shore United Bank or another financial institution to your designated settlement account at Shore United Bank.

ACH origination provides a less expensive alternative to processing paper checks and debit and credit cards, saves you the hassle of dealing with a physical check, and payments are usually processed more quickly than checks. These benefits can save your business time and resources that you can use for more productive tasks to improve your bottom line.

Additional fees may apply with this service. Contact us for more information about ACH Origination.


Merchant Card Services

Finding a payment processing service that fits the needs of your business and the needs of your customers is important. At Shore United Bank, we offer the most advanced electronic payments in the industry – an all-in-one solution that helps you consolidate vendors. 

Learn more about Merchant Card Services


Positive Pay

If check fraud keeps you up at night or concerns you, then Positive Pay may be a good option to consider for your business. Positive pay is a check reconciliation service available through our online banking that compares your business’ issued checks with your daily in-clearing checks and notifies you if there are any discrepancies. This optional service provides a strong defense against check fraud.

How does Positive Pay work?

1. Your company imports a file containing the checks issued prior to distributing
2. Checks are presented and compared against your company file looking for a match in check serial numbers and amounts
3. Checks that do not match become suspect and are manually examined for encoding or misread errors
4. Suspect checks are reported to your company online and the company advises us how to proceed (pay or not pay)

Additional fees may apply with this service.  Contact us to sign up or learn more about Positive Pay: 443-262-9310


Wire Transfers

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’ online banking.

Additional fees may apply with this service.


Telephone Banking

Telephone banking allows you to access your account information and perform routine transactions from a touch-tone phone. Using your phone, you’ll be able to:

  • Get account information
  • Transfer funds
  • Find branch locations

Setting up the telephone banking service is quick and easy. Simply call or one of our local numbers: 410-758-4900 (Maryland) and 302-284-1600 (Delaware). All you need is your account number  and your four-digit PIN. First time users will need their full  tax I.D. number and zip code  and  select the four-digit PIN for recurrent uses. If you are having trouble accessing telephone banking service, contact your local branch for guidance.

Funds transferred before 6:00 p.m. Monday -Friday will be credited the same banking day; all other transfers will be credited to your account on the next business day.  

New Features Effective October 20, 2020:

Good News! We are upgrading our telephone banking system with some new features.  The first time you call,  you will need to re-enroll in order for the new system to recognize you.  After entering your account number,  press Star (*) when prompted for your PIN.  Next listen for the options to make your selection. Some of the new features include:
  • Ability to set your own preferences for English or Spanish
  • Male or female voice options
  • Voice or keypad commands

Business Overdraft Service

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. More importantly it can mean losing a deal with a potential client, embarrassing phone calls, and unwanted fees charged by vendors.

Learn more about our overdraft services


Returned Check Recovery

We’re here to help you with your business needs, including what may be one of your biggest headaches – returned checks. Re$ubmitIt® is a check collection service we offer that significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. With this service, 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. 


Visa Debit Cards for Business

At Shore United Bank, we want you to get the most out of your accounts with us. Business debit cards are a great place to start. They allow you to pay your business expenses directly from your business checking account. It’s fast, secure, and convenient.

Learn more about Business Debit Cards