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ACH services
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Merchant services
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Payroll services
Treasury management solutions
As your business grows, managing cash flow becomes more complex. Our treasury management services help automate routine financial processes, improve visibility into your accounts, and free up time to focus on running your business.
Payables management
Maximize efficiency and control in your payment processes.
- ACH origination
- Online wire transfer - coming soon!
- 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.
- Business sweep
- Zero balance accounting
Fraud prevention
Prevent and protect against internal and external payment fraud threats.
- Positive pay - coming soon!
- ACH positive pay - coming soon!
What you need to know about 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 Accounts
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 management 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 management 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.
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 of time between those outflows and inflows, 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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ACH origination lets you 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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Merchant services enable payment processing for your business.
- Accept payments via 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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ACH collection is a way to 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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Our Business Banking platform makes it easy to pay employees by allowing you to create templates, import files, or generate NACHA files for direct payments.
Please note that our payroll features are designed for sending payments and do not include payroll administration, such as calculating pay, withholding taxes, or tracking employee hours. Payments sent through the platform should reflect the employee's net pay.
Ready to open an account?
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View application
Get ready for Business Membership
Review the information required to open your account.
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View checklist
Business Account Document Checklist
Find the required documents based on your business type.