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Treasury Management

Our Treasury Management tools allow your business to spend less time on administrative tasks — improving your efficiency and your profitability. Choose the services that work best for your needs — all while boosting your bottom line.

 

Receivable Management

Managing receivables through Treasury Management reduces the float on collected payments which increases your cash flow.  In addition, these services reduce back-office burden and add efficiency to accounts receivables.

  • ACH Collections to process receivables payments.
  • Remote Deposit Capture to deposit checks at your business with a desktop scanner. (Learn More)
  • Mobile Deposit Capture to deposit checks using your mobile device. (Learn More)
  • Merchant Services to accept credit card payments from clients. (Learn More)

Information Management

Access your information when and where you need it.

  • Online Transactions to view debits/credits and images.
  • E-Statements with images (15 month history) delivered monthly with notifications.
  • Downloadable Transaction History using industry standard file formats.
  • DirectConnect to Intuit products (QuickBooks and Quicken) for real-time account management. (Learn More)
  • Account Aggregation to view information at other financial institutions.

Liquidity Management

Access to all your Alliance Bank Central Texas accounts via a secure Internet connection.  With our “at a glance” summary of account balances, you can manage account balances and put excess funds to work. 

  • Zero Balance Accounts (ZBA) to concentrate funds in a master account which sweeps to ZBA as items are presented for payment.

Account Services (Risk Management)

Mitigating risk and safeguarding your financial information is a key component of Treasury Management.

  • Positive Pay (Paper and ACH) to reduce fraud be electronically sharing your issued payments for transaction matching prior to posting. (Learn More)
  • Multi-factor Authentication to protect access to services.
  • Dual Control options to enhance internal security on payments.
  • Account Alerts customizable based on various events.
  • Push Notifications to provide real-time security alerts.

Payable Management

Treasury Management provides clients with payment options to increase efficiency and security.  Expenses associated with paying vendors with paper checks continue to increase due to personnel and processing costs.  Treasury Management can eliminate most, if not all, paper checks through a combination of ACH and Wire Transfer payments.  Electronic payments are secure, convenient and timely.

  • Direct Deposit to provide payroll services to employees.
  • ACH Credits to send payments to clients and vendors.
  • Wire Transfers (International/Domestic) to make same day payments to clients and vendors.
  • Bill Payment to make payments to clients and vendors.
  • Payroll Cards to provide payments to the un-banked.
  • Business Debit Cards for staff for business related purchases.
  • Foreign Currency Exchange to submit payments in various global currencies.
  • Tax Payments for required tax payments and deposits.

 

* Some services subject to limitations and credit approval.  Contact Alliance Bank Central Texas for additional details.