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.
Explore Our Services
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Modern Payment Tools — From a Bank With Roots 

 
We might be old, but we're not old school. Deliver convenience, save time, and level up your business with today's digital payment and accounting tools.
 

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

 

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

 

Better Cash Management. Better Communities.

 
Small business owners are the heartbeat of Indiana's best local economies. We work to provide modern, time-saving digital and automated cash management options — so you can spend less time in the books, and more time on your business.
 

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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. 
 
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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.

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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.

 

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

Rachel McQuillen

Treasury Management Support Specialist

P: 317-844-5170

  • Carmel

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. 

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.