Treasury Management Services

Take charge of your liquidity, manage cash flow, and more.

You didn't start your business so you could moonlight as a bookkeeper. We have the tools to help you manage your cash flow without making it a second career. We make it easier for you to pay bills, collect client payments, manage transactions, protect your accounts from fraud, and more.

Online
Cash Management

As your business grows, take the benefits of online banking to the next level.

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Sweep
Accounts

An efficient, cost-effective tool that manages your cash flow between multiple accounts.

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Merchant
Services

Getting clients to the register is the hard part - make it easy for them to pay!

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Remote
Deposit Capture

Skip the trip to the bank and deposit checks where you are, when it's convenient for you.

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Fraud
Prevention

Positive Pay, ACH Debit Filters and ACH Debit Blocks protect your accounts from fraud.

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Lockbox
Services

Outsourcing your account receivables allows payments to be processed faster, improving cash flow.

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Your Treasury Management Team

Andy Burakiewicz, CTP

Director of Treasury Management

P: 317-844-5170

M: 317-508-4394

  • Pendleton
  • Carmel
  • Fishers

Joe Adams

Treasury Management Officer

P: 888-529-5450 Ext. 7781

  • Pendleton
  • Carmel
  • Fishers

Online Cash Management

Businessman accessing online cash management

In addition to the benefits of Business Online Banking, you can:

  • Access images of cleared checks
  • Define dual control settings
  • Assign user access levels
  • Originate ACH (Automated Clearing House) transactions
  • Process real-time stop payments
  • Generate real-time information reporting

LET'S TALK CASH FLOW

 

Sweep Accounts

Sweep accounts
  • Automatically transfer ("sweep") excess funds from one account to another
  • Earn money on your operating cash
  • An easy way to set up automatic savings
  • Build reserves that can be accessed quickly
  • Avoid expensive overdraft fees

LET'S TALK CASH FLOW

Merchant Services

merchant_services

Offering your customers convenient and secure payment options is one of the easiest ways to increase your revenue. We work with First Data Company to offer Clover Merchant Services that allow you to:

  • Track sales and accept payments
  • Take your business online with eCommerce
  • Send professional invoices and accept online payments
  • Get real-time insights about sales trends
  • Streamline operations and oversee inventory
  • Schedule staff and manage payroll
  • Create loyalty programs
  • Offer clients physical and digital gift cards
  • Turn future credit card sales into working capital

If you already have a processor, we'll review your statements and show you how our services compare.

LET'S TALK CASH FLOW

 

Remote Deposit Capture

remote_deposit_capture
  • Transmit deposits electronically
  • Save a trip to the bank
  • View deposits online
  • Accelerate cash flow

We provide installation and training assistance

LET'S TALK CASH FLOW

Fraud Prevention

fraud_prevention

We're committed to helping you keep your checks and ACH transactions safe using:

Positive Pay

  1. Details of the checks you issue will be uploaded to Citizens State Bank
  2. When checks are presented for payment, we’ll compare the dollar amount and check number to ensure a match
  3. If the check information doesn’t match, we’ll notify you of the exception items so you can decide if the check will be paid

Your company is a candidate for Positive Pay if:

  • Your business has experienced check fraud
  • Your company issues numerous checks
  • You're able to create a file that includes your issued check data
  • You'd feel better knowing the checks that clear your account were actually issued by you

ACH Debit Filter - Create a list of pre-approved ACH payments. You can set vendor-specific, amount-specific, one-time, recurring, or a combination of payment rules for each account. You have the opportunity to review any exceptions.

ACH Debit Block - Completely blocks all ACH debit transactions. Any incoming ACH debit is automatically returned to the originating bank.

LET'S TALK CASH FLOW

Lockbox Services

lockbox_services
  • Cut hours, or even days, from your payment collections process
  • Improve cash flow
  • Automate manual processes and improve staff productivity
  • Access more accurate and timely information and reporting
  • Decrease the potential for fraud, theft, and error
  • Reduce your operating and administrative costs

LET'S TALK CASH FLOW

 

We understand that discussing cash flow - and treasury management products - can be intimidating.

Don't worry, our cash flow specialists will take the time to get to know you and your business; to ensure that you're comfortable with making decisions that help you reach your financial goals.

Let's Talk Cash Flow