The power of a different kind of partnership.
Treasury management is built on strong relationships and a commitment to your success. At Clearview, we understand that ensuring success for your business means partnering with a financial institution that works for you and is dedicated to improving our Pennsylvania communities. We’re that kind of place.
Your business has unique needs when managing your finances and access to robust commercial account options is essential. Our treasury management tools and services provide you with the insight, technology and the flexibility you need to maximize your resources and optimize your operations.
Treasury management solutions
Payables management
Maximize efficiency and control in your payment processes.
- ACH origination
- Online wire transfer
- Payroll services
Receivables management
Simplify billing, receive payments faster and accelerate revenue.
- ACH collection
- Remote deposit capture
- Merchant services
Liquidity management
Maximize working capital and meet liquidity needs with custom, automated systems.
- Commercial deposit and sweeps products
Fraud prevention
Prevent and protect against internal and external payment fraud threats.
- Positive pay (coming soon)
- Lockbox (coming soon)
Key considerations for treasury management
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Defining treasury management
Treasury management refers to a suite of financial services that help businesses manage cash flow, liquidity, payments, and financial risk efficiently.
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Treasury Management vs. Business Checking
Business checking provides a place to hold money and conduct basic transactions, while treasury management offers tools to actively manage how money moves in and out of the business. Treasury management services go beyond deposits to help businesses streamline payments, speed up collections, improve cash visibility, and reduce fraud. For organizations with higher transaction volumes or more complex cash flow needs, treasury management adds efficiency, control, and insight that basic checking alone cannot provide.
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When a business should consider treasury services
A business should consider treasury management services when managing cash flow becomes time-consuming, manual, or difficult to control. Common signs include processing payroll for multiple employees, paying vendors electronically, receiving a growing number of payments, or needing better protection against fraud. Treasury services are especially valuable as a business grows, adds employees, or handles larger dollar transactions that require stronger controls and visibility.
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Common treasury management terms explained
Treasury management includes services such as ACH payments, wire transfers, remote deposit capture, and fraud prevention tools like Positive Pay. ACH allows businesses to send or receive electronic payments efficiently, while wires are used for same-day, high-value transactions. Remote deposit capture lets businesses deposit checks digitally, and Positive Pay helps prevent unauthorized payments. Together, these tools help businesses move money securely, efficiently, and with greater confidence.
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Understanding cash flow cycles
A cash flow cycle is the movement of money into and out of a business over time, from when expenses are paid to when customer payments are received. Many businesses experience gaps between paying vendors, payroll, or operating costs and collecting revenue, which can strain available cash. Understanding your cash flow cycle helps you anticipate timing differences, plan for expenses, and ensure funds are available when needed. Treasury management tools can help businesses gain better visibility and control over these cycles, reducing uncertainty and improving day-to-day financial stability.
Treasury management FAQs
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Remote Deposit Capture offers the ability to scan multiple checks, including high-value checks, directly to your account from the comfort of your office. Make check deposits on your schedule and funds will be available as soon as the next business day.
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Initiate a variety of electronic payments, including direct employee deposits, vendor payments, and tax transactions. Transactions are processed quickly and accurately, with real-time reporting available to track the status of payments.
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Whether it’s across town or around the country, you can securely transfer funds anytime it’s most convenient for you and your business. Manage payments at your convenience with peace of mind that your business is taken care of.
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Time is money. Payment processing can be the most effective way to grow and manage your business.
- Accept payments for credit cards, debit cards, and mobile wallets with versatile card readers.
- Enable online payment processing for highly integrated e-commerce systems or even the most basic storefronts.
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Accelerate consumer and business recurring receivables through pre-authorized payment. Easily schedule one-time or recurring collections from your customers’ accounts. Transactions are processed quickly and accurately, with real-time reporting available to track the status of payments.
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- Simple online payroll and HR supported by our award-winning member service team
- Payment options: direct deposit, electronic checks, paper checks, and paycards
- Self-service for managers and employees, providing online access to paystubs and W-2s
- 100+ reports with flexible filters for access to the information you need when you want it