PICTURE THE SCENE
It’s 6.30 on Monday morning. You’re on a shuttle en-route for London and a crucial meeting that will play a large part in deciding the future of your business. You need the most up-to-date financial information you can get, including details of cheques presented today. But it’s an hour and a half until the bank opens.
Now you can unlock all the information you need for the meeting quickly and simply. Just boot up your laptop and, using data downloaded from Bank of Scotland’s central computers, the information is there at your fingertips. You can group accounts to give you an overall view of your business’s position, focus on the net position of a particular area of the business – even prepare reports.
HOBS, Bank of Scotland’s Home and Office Banking Service, is perfect for people like you who are too busy running their business to worry about fitting it in to banking hours.
The key to financial control
With HOBS in your office you can:
o Access comprehensive, up-to-the-minute information on all your sterling, foreign currency and credit card accounts.
o Initiate BACS payments to pay salaries, wages, suppliers…
o Initiate CHAPS and International payments.
o Transfer money instantly between your accounts.
o Check all your standing orders and direct debits.
o Locate specific transactions quickly using a range of search criteria.
o Open an exclusive HOBS investment Account to make surplus funds work really hard for you.
o The key to ________________ - With HOBS, you no longer have to devote valuable time to routine transactions, or fit your business into banking hours. Control your accounts whenever it suits you, 24 hours a day, 7 days a week.
o The key to _________________ - Connecting to HOBS costs just the price of a local phone call from anywhere in the UK. Further built-in features, such as off-line processing, mean that the amount of time you need to be connected to HOBS is kept to a minimum.
o The key to __________________ - A series of advanced, built-in features maintained in your PC allow you to restrict access to designated users, and to specify exactly what information each individual can access and what transactions they may carry out.
o The key to __________________ -Corporate HOBS has been designed to dovetail with your existing financial software, giving you a choice of account reporting and payment processing facilities and a smooth transfer of account information to and from other packages such as Sage ®or Pegasus®.
o SECURITY / COST-EFFECTIVENESS / FLEXIBILITY / CONVENIENCE
o The BACS Direct facility is ideal for the distribution of wages, salaries or expenses, and the template function saves you from having to re-key similar data each week / month. A database of beneficiaries (suppliers, employees) is maintained on your PC.
o The key to priority payments
o When you have urgent payments to make, the CHAPS function enables you to send funds for same-day credit subject to a cut-off time of 3pm.