Treasury Management

Access online banking and financial reporting securely, on your terms.

Improve financial decision-making and cash forecasting with accurate and timely account and loan data from multiple sources

Manage payments and receivables processing in one place, including ACH, wires, online currency ordering, lockbox remittances, and remote deposits processed via desktop or mobile

Optimize staff workflows with customizable reporting, proactive transaction notifications, and automation of requests for secondary and tertiary approvals

Need to target reporting to specific users? Want broad access for some members of your team but limited access for others? Customize user access to correspond with job responsibilities

Optimize cash flow with simplified payment and receivables processing.

Electronic payment and receivables options, including ACH, wire transfers and remote deposit

Lockbox and commercial cash vault services safeguard your employees and the delivery of your business deposits and receipts

Commercial credit cards simplify expense management and procurement processes with comprehensive tracking using online reporting tools

Merchant card services make it easy to accept credit and debit payments at physical or online retail locations

Put idle balances to work.

Leverage 100% of excess funds to invest overnight; minimize loan interest paid or pay down principal

Establish target balances to "sweep" funds back and forth with optimum efficiency

Fund special-use accounts only when needed

Access sweep transaction details and investment confirmations easily online

Secure your payment processing.

Positive Pay services put you in the driver's seat. Review checks and determine their authenticity before they are charged to your account

Preview ACH transactions being charged against your account and return any fraudulent transactions

Choose to have all ACH and/or check transactions blocked from select accounts

Protecting your payment processing puts you back in the driver's seat. Our fraud prevention tools provide clients with more control over their accounts, enhances risk management, and reduces check and ACH fraud.

Positive Pay

Positive Pay services are some of the most effective tools to help businesses in proactively identifying fraudulent check and ACH transactions. 

To utilize Positive Pay, you’ll upload your issued check files through Business Online Banking. As checks are presented for payment, Banner Bank compares each check to the file.  Any item that does not match what is issued is then reported as an "exception item" that you must decide whether to pay or have it returned.

For ACH Positive Pay, you’ll create business rules at the account level for monitoring ACH activity.  As ACH transactions are presented for payment, they are compared against these rules to determine if additional review is needed.  Any item that does not match or exceeds the establish guidelines will be presented as an “exception item” to decision in Business Online Banking. 

Benefits of Positive Pay

• Positive Pay provides a proactive risk management tool for the client.
• Positive Pay helps eliminate check and ACH fraud by finding fraudulent items the day they are presented, rather than the client waiting for their monthly statement, or having their account become overdrawn to spot fraudulent items.
• Clients make their own "pay" or "return" decisions with exception items.
• Clients are alerted via email or text of any check exceptions.
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Reverse Positive Pay

Reverse Positive Pay is a product that is geared toward small business clients with a low volume of checks to process. With Reverse Positive Pay, all check payments are automatically flagged as exceptions. Clients are responsible for logging into Business Online Banking to decision those exceptions.

Benefits of Reverse Positive Pay

• Reverse Positive Pay provides a proactive risk management tool for the client.
• Reverse Positive Pay does not require a check issue file to be uploaded.
• Clients will be made aware of check exceptions through email or text.
  

Resources

• Review our Positive Pay Exceptions demonstration for more detailed instructions.

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We have a team of technology professionals dedicated to supporting the needs of our business clients.