Specifications include, but are not limited to: 1. Maintain a full-service home office or branch in Columbus, Georgia and have a branch network convenient to the City operations. 2. Have expertise on its staff to provide a full range of banking services to the City as requested. 3. Have a secure web-based reporting system, which includes a minimum of the following: a. daily reporting of ledger, collected, and available balances, total debits and credits, detail debits and credits. Credit detail should indicate availability. b. account detail for current month and one prior month for review of transactions. c. concentration/zero balance accounts daily interaction reporting. d. presentments of checks for controlled disbursement accounts not later than 10:00 am each day. e. wire transfer, ACH/EFT, and internal transfer initiation and authorization. f. Consolidated Government-originated stop payments of checks. g. return items charged against all City accounts. h. monthly statements, to include hard copies, on-line, and electronic format, including check images