cash management solutions

Manage finances throughout your cash flow cycle

Explore flexible cash management solutions

Manage your finances throughout the cash flow cycle, improving return on investments, or ROI, for your business. Choose from a variety of cash management services to meet your needs.

cash flow management options
Cash flow optimization services

Payables

Manage payments by selecting from ACH payments, Real-Time Payments, controlled disbursement, Purchasing Cards and wire transfers.

Learn more about payables

Receivables

Speed up cash flow with ACH receivables, check recovery services, image cash letter, electronic bill presentment and payments, eReceivables, lockbox processing and Remote Deposit Capture.

Learn more about receivables

Liquidity Management

Put your cash to work by automating investments and transfers with Business Capital Manager, business investment sweep and Zero Balance Accounts.

Learn more about liquidity management

Reconciliation and Reporting

Secure access to critical information with account reconciliation, commercial image archive, integrated banking, Electronic Data Interchange and EDI 835 remittance service.

Learn more about reconciliation and reporting

Fraud Prevention

Protect your business with our monitoring services—ACH Positive Pay, Check Positive Pay and Reverse Positive Pay.

Learn more about fraud prevention

ACH Services

Provide funds faster with ACH payments, ACH receivables, Positive Pay, Electronic Data Interchange and EDI 835 remittance service.

Learn more about ACH services

Merchant Services

Streamline transactions with merchant services that help your business process payments more efficiently.

Learn more about merchant services

Cash Flow Cycle Calculator
Projecting your cash flow

Find the formula that's right for your business to help ensure you're generating a positive cash flow.

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking
Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking
Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Bank on Customer Service
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Business Cash Management FAQ
People also ask

Businesses should verify their cash to ensure accurate financial reporting at least once per month. However, if a business experiences significant changes due to a new product launch or a busy season, it may need to conduct additional cash reviews.

For effective business cash management, a small business should always have enough cash to cover 3 to 6 months of operating expenses, such as rent, utilities, salaries, insurance and any other recurring costs.

Most experts recommend reviewing a cash flow plan—including financial projections, cash flow forecasting and long-term goals—at least once per year.

Monthly cash flow should cover daily operating costs, seasonal fluctuations, potential investments and 3 to 6 months of additional operating expenses in reserve.

Yes. Taxable income includes the interest earned on funds in the cash management account, dividends received from investments in the account and capital gains.

Yes. You can take money out of your cash management account via an ATM, debit card, check, account transfer or payment. We offer convenient online cash management options as well.

Cash Management Solutions Insights
Grow your business

Cash Management

Managing cash flow is a critical skill

Ensure you have the funds to operate your business.
29% of failures among new businesses occur because they ran out of cash.
Cash Management

Payment options for small businesses

What are some payment methods small businesses use for success? We cover the most common types, from credit and debit cards to contactless payments.
By selecting a payment system that works best for your business while offering customers the flexibility and convenience of multiple methods of payment, you increase the likelihood of repeat business.
Cash Management

Know these types of payment fraud

Learn the common types of payment fraud so you can know what to look out for and help keep your business secure.
Protect your business by verifying any payment requests from vendors or customers that look unusual.
Explore more cash management insights

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