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Treasury Management

What is Treasury Management?

Treasury Management provides our customers with a customized banking experience, allowing them to gain efficiencies, increase cash flow, decrease expenses, and complete all their banking services from their office.

ACH- Automated Clearing House (Credits/Debits)

Features/Benefits:

  • Direct Deposit of Payroll allows a business to automatically deposit an employee’s paycheck into his/her account.

  • Save time and money by directly transferring payroll to your employee’s financial institution.

  • Eliminate the cost of writing and processing of checks, and offer a convenience to employees.

Credits:

  • Payroll, vendor payments, tax payments, bonus payments, direct deposit, mortgage payments, loan payments

  • Credits Benefits:

    • Complete payroll in-house, saves money from paying large fees to a payroll company

    • Complete monthly, quarterly, or yearly tax payments

    • Future date payments to avoid late fees

    • Pay vendors securely without worrying about mailed checks

    • Save money on check expenses such as stop payments or lost checks

    • Templates are created if recurring, no need to input information every time

Debits:

  • Business to Business payments, accounts receivable with authorization, automatic debits, bill collection, error resolution

  • Debits Benefits:

    • Debit vendors directly with prior authorization, eliminating delays in payments

    • Increase cashflow with funds being received without delays

    • Debit tenants for rent due on due date

    • Business to Business payments from their office or home office

RDC – Remote Deposit Capture

Features/Benefits:

  • Save time and increase cash flow by completing check deposits from one’s office

  • Decrease delayed deposits, complete deposit daily and multiple times a day as needed

    • Deposit multiple checks at one time

  • Service provides reporting and information retention

    • No need to retain copies of checks, they are retained in the system

E-Wire– Online Wire Transfers

Features/Benefits:

  • Input wire instructions via E-Wire link in online banking

    • Instructions transmit directly to our bank to be reviewed and submitted for processing

  • Complete wire transfers from your office without sending any paperwork or driving to an office

  • Send wire transfers securely with enhanced protection (soft token or dual control)

  • Additional security will include a call back to an individual(s) listed on the wire agreement to ensure this was completed by customer or authorized representative

  • Recurring wires have templates to make processing quicker

Check and ACH Positive Pay

Features/Benefits:

  • Service allows you to flag and review check and ACH items for fraudulent activity

  • Positive Pay verifies date, check number, and dollar amount for checks, incoming ACH transaction customers have the ability to approve and reject all transaction prior to debiting the account

  • Fraud prevention, enhanced control, reduced losses, and safeguard your cashflow and your bottom line

Mobile Capture

  • Deposit single item checks via our online banking app

Merchant Services

  • We work with a trusted vendor to create a partnership for our customers in providing all their POS and Merchant services

Business Debit Cards

  • Contactless and tokenization for safer online transactions

Soft Token – Dual Control

  • Added security features to mitigate account takeovers and fraud

Statement/History

Features/Benefits:

  • Provide online access to account statements, history and other account information

  • Manage your accounts 24 hours a day, 7 days a week

  • Convenience of accessing your account information during bank “off-hours.”

    • Manage your money and make financial decisions at any time of the day

Depository Transfers

Features/Benefits:

  • Transfer funds electronically between your account(s) with our financial institution and other financial institutions

  • No need to visit the bank

  • Next day transfers electronically between your company accounts

Electronic Federal Tax Payments

Features/Benefits:

  • Service allows you to initiate an ”ACH Credit” for different types of federal tax payments (i.e. 941 payroll tax deposits) directly

  • Our system will create the ACH Credit to the US Treasury in accordance with Federal tax payment requirements

  • Easily schedule and initiate ACH Credits for tax payments

Collect Payments

Features/Benefits:

  • Use our Collect Payments template to originate EFT payments from your consumer accounts whether authorized in writing, by phone or over the Web

  • Save time and money by replacing invoicing with EFT payments from authorized consumer accounts

Online Bill Pay

Features/Benefits:

  • Pay bills online on a scheduled one time only basis

  • Streamlines processes, saves time, stamps, checks and envelopes

  • Schedule bills in advance-and easily retrieve up to 6 months of your bill payment history for reconciliation

Sub-User Administration

Features/Benefits:

  • Conveniently assign specific access, dual control privileges and transaction limits to your employees independently without direct involvement with your financial institution

  • Save valuable time, increase efficiencies and be in charge of your business banking system

Import/Export Capability

Features/Benefits:

  • Manage large ACH files locally on a spreadsheet and then upload into a batch

  • Easily import or export tab delimited file to spreadsheet applications

  • Reduce error and save valuable time by eliminating having to re-key data