Treasury Management Services

Streamline payments and strengthen security with help from a team as invested in your business as you are. 
 
 
 
 
 
Running a business means keeping money moving. From collecting payments and paying vendors to monitoring account activity and protecting against fraud, managing cash flow can quickly become a full-time job.
 
Our Treasury Management solutions help simplify your day-to-day operations so you can spend less time managing finances and more time focusing on your business. Whether you're looking to get paid faster, streamline payments, or strengthen security, we'll help you find the right tools for your needs.

Make Getting Paid Easier

Getting paid shouldn't slow your business down. We offer solutions that make it easier for customers to pay you and easier for you to access your funds.

Merchant Services

Accept payments wherever business happens. Through our payment solution Streamline, you can:

✔ Accept tap-to-pay transactions directly from your smartphone
✔ Take payments online
✔ Send invoices and collect payments electronically
✔ Offer customers convenient payment options
✔ Track sales and payment activity in real time

Learn more about our Streamline Tap-to-Pay Payment Solution

Remote Deposit Capture

Skip the trip — deposit checks securely from your office using a check scanner and enjoy:

✔ Faster access to deposits
✔ Convenient online deposit tracking
✔ Multiple scanner options to fit your business needs

Lockbox Services

Reduce the time spent processing incoming payments. Lockbox Services help businesses:

✔ 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

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Simplify Payments and Cash Management

Manage your money with greater efficiency and control.

Online Cash Management

Access powerful tools through Business Online Banking to help manage your finances anytime, anywhere.

Features include:

✔ ACH Origination for electronic payments
✔ Online wire transfer capabilities
✔ Real-time reporting and account monitoring
✔ Check image access
✔ User permissions and access controls
✔ Dual approval options for enhanced security

Sweep Accounts

Put excess cash to work automatically.

Sweep Accounts help you:

✔ Move funds between accounts automatically
✔ Keep operating balances where you need them
✔ Build reserves without extra effort
✔ Avoid unnecessary overdraft fees
✔ Maximize available funds

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Protect What You've Built

Fraud can happen to businesses of any size. That's why we offer tools designed to help you monitor activity and protect your accounts.

Fraud Prevention Solutions

Through Fraud Prevention HQ and Positive Pay services, you can:

✔ Review suspicious transactions before they clear
✔ Monitor ACH and check activity
✔ Reduce the risk of fraud and unauthorized transactions
✔ Strengthen internal controls

 

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Local Expertise. Local Decisions. Local Impact.

 
When you partner with Citizens State Bank, you're working with a team that understands the communities where you do business. Our Treasury Management specialists know the local market, and understand the challenges businesses like yours might face. More importantly, we live and work here right alongside you — which is why we're so invested in your success and satisfaction with our services.
 
And because we're a regional bank, your relationship with us helps us do more to give back to these communities we've been rooted in for over 150 years. Your business isn't just another deposit to us: it's part of what makes it possible for us to help support local nonprofits, schools, and economic growth.
 
We're not just proud to be your bank. We're proud to be your neighbors, customers, and community partners.
 
 
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Ready for a better cash flow strategy?

Every business has unique challenges and opportunities. Let's discuss how Treasury Management solutions can help your business save time, improve efficiency, and gain greater control over cash flow.

Click below to get started.

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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
Andy Burakiewicz, CTP's Email Link Andy Burakiewicz, CTP's LinkedIn Link MORE INFO

Joe Adams

Treasury Management Officer

P: 888-529-5450 Ext. 7781

  • Pendleton
  • Carmel
  • Fishers
Joe Adams's Email Link Joe Adams's LinkedIn Link MORE INFO

Rachel McQuillen

Treasury Management Support Specialist

P: 317-844-5170

  • Carmel
Rachel McQuillen's Email Link Rachel McQuillen's LinkedIn Link MORE INFO

Free Educational Resource

 The Payments Insider newsletter helps businesses stay informed about payment industry updates, fraud prevention tips, and changes that could impact how you send and receive payments. 

Payments Insider Newsletter
First Quarter 2025

Payments Insider Newsletter
Fourth Quarter 2024

Payments Insider Newsletter
Third Quarter 2024

Let's talk cash flow!

Fill out the form below, and a member of our Treasury Management team will reach out within 3 business days.