Treasury Management

Eliminate paper checks by originating electronic payments to any account in the U.S. Fast, secure, and commonly used for direct deposit of payroll, vendor payments, and tax payments.

Electronically originate one-time or recurring wire transfers, swiftly and securely, within the U.S. and overseas via eBanker or through a local branch.

Schedule one-time, recurring, or automatic payments. View bills online and create payment rules associated by setting up e-bills.

Collect one-time or recurring payments automatically with ACH electronic collections offered through eBanker, our online banking treasury solution.

Scan incoming checks and make same-day deposits via a secure internet connection with eBanker, our online banking treasury solution.

Deposit checks on your schedule with a mobile device.

Maximize profitability by offering more payment options to your customers with a comprehensive merchant processing solution.

Receive funds, swiftly and securely, within the U.S. and overseas.

Streamline cash-handling with a smart safe, a secured money management machine. Place cash throughout the day, and the safe electronically validates bills and transmits the balance to your business account. On a scheduled day, armored carrier picks up the cash.

Reduce the risks that come with managing large volumes of cash and checks by arranging transport to our cash vault by armored carrier. Upon arrival, we will quickly and accurately process your deposit.

Excess collected checking account funds over the target balance are automatically swept to pay a revolving line of credit, then move into an interest-bearing investment account. If the checking account needs funds it will look to the interest-bearing investment account first and the line of credit second.

Use excess funds to automatically pay down loan balances and reduce monthly interest. If your account balance falls below your targeted level, we automatically transfer funds from your line of credit back into your account.

Begin earning competitive returns immediately by automatically transferring excess funds to an interest-bearing account each night. Because balances are fully liquid, you pull out cash whenever you need it. You set a target balance for your account, and we'll take care of the rest.

Zero Balance Accounts are designed to help eliminate manual transfers, reduce idle cash, and prevent overdrafts. Maintain subsidiary accounts, such as a payroll account, at a zero balance while concentrating funds in your operating account for disbursements or investments.

Fees will apply. Contact our Treasury Management Officer to see if a sweep account solution is right for your business.

Sarah Williams
VP Treasury Management

(209) 320-7852

Stop unauthorized payments with Positive Pay, an automated fraud detection treasury solution. Positive Pay automatically compares outgoing checks against an authorized list to identify discrepancies and ensure that only authorized checks are paid.

Stop fraudulent and unauthorized checks. With image-based Payee Positive Pay, authorized personnel can quickly determine whether to pay or return checks presented for payment.

Protect from fraud by designating the types of authorized ACH transactions. ACH control measures help protect funds by blocking unauthorized ACH transactions.

Real-time access to deposit and loan accounts. Up to 18 months of transaction activity, including check images – in one location.

Standard alerts help reduce the risk of fraud by staying on top of account, transaction, and user activity.

Customize a reporting package to meet your unique needs including .csv format, BAI, QuickBooksTM and more.

Turn paper statements on or off and view deposit and loan statements online.

Transfer funds between internal deposit and loan accounts, or accounts held with other financial institutions.

Make loan payments and advances.

Schedule one-time, recurring, or automatic payments. View bills online and create payment rules associated by setting up e-bills. Plus, enjoy the added peace of mind of dual approval to mitigate fraud.

Automate the process of ACH payments to pay bills and collect funds faster, including state and federal tax payments and various other ACH types.

Make high-priority payments, same day.

Track the account status and monitor for fraudulent activity with our Positive Pay solution, including Payee Positive Pay enhancement.

Manage over 40 approvals related to entitlements and users, ACH file uploads, ACH, wire, and bill pay transactions, and more from a central location.

Manage accounts from your mobile device, including access to over 40 types of approvals, Positive Pay review and decisions and remote deposit capture.