Treasury Management

Bank Anywhere. Bank Anytime.

Business Online Banking allows you to manage your bank accounts 24/7. Track transactions in real-time, view images of checks, access account statements, place stop payments, and transfer funds. Dual control options and multiple levels of user security are available. Alerts regarding account balances and activities can be set up and you can easily export data into internal software systems. Our Business Online Banking program offers a single sign-on window into all Treasury Management products and services. We accommodate micro business customers, as well as, very large commercial customers.

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Mobile Banking provides you with all your banking information on your iOS or Android device. Once the app is downloaded you will be able to view your accounts, make transfers, set up bill pay, set up alerts and so much more!

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Mobile Remote Deposit Capture turns your mobile device into a deposit device. You can use your phone’s camera to take a picture of the front and back of a check, then send the images electronically to the bank for deposit. This enables you to deposit checks as you receive them, reducing the risk of loss or theft.

Sweep Services and Zero Balance Accounts (ZBA) are designed to help manage daily cash flow. You can establish a target or zero checking account balance and sweep excess funds to other accounts such as your line of credit or a savings account or both. You can also use this service for overdraft protection.

Return Item Special Handling allows you to receive return item information quicker, receive alternative notifications regarding returned items, and request special processing of items. You are contacted via email, fax, or phone anytime we receive a returned item. Notifications can be sent directly to a collection agency on your behalf.

eStatements are free when accessed through Online Banking. You are notified via email when statements are ready for viewing. This service allows multiple Online Banking users to receive eStatement readiness notifications and to view them.

Account Analysis Statements are available through Online Banking at no charge.

Use Electronic Data Interchange (EDI) Notifications to receive invoice addenda records tied to ACH payments. EDI Notifications are available through Online Banking.

CDARS is the Certificate of Deposit Account Registry Service^®. It’s the easiest, most convenient way to increase FDIC insurance on large deposits. Choose from various CD terms to meet your investment goals.

ICS^SM is an FDIC Insured Cash Sweep. We offer interest bearing Money Market and Demand accounts for increased FDIC insurance coverage. For your convenience, automatic sweep features are available so you can maximize your FDIC insurance benefit.

Improve Cash Flow and Reporting

ACH Origination provides the flexibility to securely receive electronic payments through the ACH network. Originating and maintaining ACH files are done efficiently through Online Banking Treasury Management. Use ACH to collect receivables from vendors, rental income, donations, and capital pledges.

Wire Transfers are a convenient and secure way to receive same-day payments. By providing vendors with your bank account information, payments will be deposited into your account according to the instructions provided.

With EZ Deposit remote capture, deposit checks into a bank account without ever leaving your office, plus receive same-day credit if the deposit is made before the daily cut-off time.

Merchant Card Processing offers a cost effective solution for accepting cards as a form of payment. Whether you process in a face-to-face environment, through a web site, or with an iOS or Android mobile device, we have processing options that are best suited for your business.

Image Lockbox is provided to simplify the handling of your company’s receivables. If you are a small or large business, for profit, or nonprofit, our Image Lockbox service is designed to improve and accelerate receivables processing and funds availability. The efficiencies found through the service also offer online imaging, customized reporting along with automated integration with many accounting systems. Many customers also welcome the increased internal controls, separation of duties, and online storage features.

Pay Your Vendors & Employees with Ease and Efficiency

ACH Origination provides flexibility to securely send electronic payments through the ACH network. It’s a cost effective and easy way to pay your vendors and employees or to make transfers between bank accounts. Payments and transfers can be originated in advance. Various ACH funding options are available and we will work with you to determine the right option.

Wire Transfers are a convenient and secure way to transfer money or make same-day payments. You can initiate domestic wire transfers through Online Banking Treasury Management at a reduced fee. For your protection, a method of dual control is required.

Business Bill Pay¹ services are available through your Online Banking account. Make one-time payments or schedule recurring and future payments. All Business Bill Pay users have the ability to view all payment activity. Dual control options are available so your business is protected from unauthorized payments.

Business Credit Cards² are available for your business expenses. Consolidate all expenses to a business credit card for better expense tracking and cash flow. If you’re looking for a procurement card, along with travel and entertainment, we have a card that provides robust features such as GL integration and electronic vendor payments.

Sunrise Banks Visa^® Prepaid Card provides a direct deposit option for unbanked employees.3 The Visa Prepaid Card can be used wherever Visa is accepted; at a retail store or online. And, it can be used at an ATM for cash withdrawals.

Account Reconciliation is available through Online Banking. Download paid checks into a CSV file and upload the file into your internal accounting system for a quick reconciliation of all unpaid checks.

Fraud Prevention Tools to Protect Your Business

Positive Pay is a tool that can help reduce check fraud losses. It works with Online Banking Treasury Management to detect unauthorized and altered checks. Provide an electronic file of issued checks or manually enter them within Online Banking Treasury Management and as checks are presented for payment, they are verified against the file you provided. We can also auto-void stale dated checks. If there are any discrepancies you are notified via email and can determine whether to pay or return the checks. If you’re out of the office, you can view exceptions by logging into your Online Banking Treasury Management account via the mobile app.

ACH Debit Filter allows you to set up electronic payments with confidence. Simply provide a list of authorized ACH payees. We compare your incoming ACH debits to that list and only post authorized transactions to your account. If an unauthorized debit is presented for payment, you are notified via email and can determine if the payment should be processed.

ACH Debit Block protects your account from any unauthorized ACH debit posting. This service is ideal for checking accounts that have no ACH activity.