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.

Merchant Services
Accept tap-to-pay transactions on-site with just your smartphone, send invoices and collect payments online, and track sales activity as it happens.

Remote Deposit Capture
Deposit checks wherever you are, whenever you want, and access your incoming cash faster. Choose from multiple check-scanning options.

Lockbox Services
Save time: Automate tedious treasury and accounting tasks, protect your business from theft and fraud, and minimize operating and administrative costs.

Powerful Online Business Banking
At your desk or on the go, our online business banking tools make sure you never miss a beat. Get real-time account monitoring, ACH origination for electronic payments, online wire transfer capabilities, and more.

Sweep Accounts
We help you put your excess cash to work automatically. Take advantage of sweep accounts and keep operating balances where you need them, avoid overdraft fees, and build reserves in your sleep.
Protect What You've Built
Fraud is constantly evolving, but so are the tools available to help protect your business. Our Fraud Prevention HQ resource and Positive Pay help provide greater visibility into account activity and help you detect unusual transactions before they become costly problems.
It's a simple way to strengthen security while maintaining control over your day-to-day finances.
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.
Andy Burakiewicz, CTP
Director of Treasury Management
P: 317-844-5170
M: 317-508-4394
- Pendleton
- Carmel
- Fishers
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