Treasury Management

Maximize your Cash Flow and Financial Performance

One of the key components to the success of any business is accurate and timely access to all your financial tools. Managing your cash effectively requires a focus on gathering, controlling, and disbursing your funds using the latest products available, including Business Express Internet Banking. Our Treasury Management Services put the tools for your success in your hands, whether you're gathering, controlling, or disbursing your funds.

For gathering your funds, we offer the following:

• ACH Services, including ACH Debit Block, give businesses the power to inexpensively collect or disburse funds to accounts.
• Lockboxes are available for wholesale and retail needs
• Account Reconciliation speeds your processes and improves your audit procedures.
• Remote Deposit allows clients to make deposits from the comfort of their own office locations.

To control your funds, take advantage of these powerful tools:

• Business Express Internet Banking service serves as the access point for management of your financial world.
• Check Imaging allows you to reduce storage expense and reduce research time while providing high quality images to vendors and clients.
• Zero Balance Accounts allow you to eliminate excess balances in multiple accounts.
• Credit Sweep can help protect against overdrafts.
• Investment Sweep accounts can help to maximize your daily investment earnings on excess funds in your checking account.

For disbursing your funds, see these options:

• ACH Transfers and Wire Transfers move money where you need it, quickly.
• Positive Pay protects your business from check fraud.
• Controlled Disbursement notifies you about the total amount of checks clearing your account on the current day.

Questions about our Treasury Management Services? Click any of the above links for details, or call 800-946-2264, visit your local Citizens Bank branch, or send a secure email.