Cash Management

As your financial partner, we can help you maximize your potential with several innovative cash management and sweep solutions. Go electronic with your payroll and cash flow, put your excess cash to work for you, or simplify your processes with one of our sweeps. Rest assured, we’re in your corner helping you realize your business’ daily potential.

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Premier Cash Management

Utilizing a wide variety of products and services, a Premier Cash Management relationship can be designed to meet the ever-changing needs of the commercial customer.

  • Multiple deposit accounts and multiple loan accounts tied together to sweep funds as necessary
  • Excess funds can be swept from investment and checking accounts to your amortized loans
  • Cover costs with either compensating balances or hard dollar charges.

Premier Cash Management allows the maximum return on excess funds, in even the most complicated account relationships requiring customization. Contact us for details.

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Automated Sweep

Maximize the use of your checking account balances, pay down your current loans, or invest excess funds. Let us help your cash work for you. We offer three options available to meet specific needs:

  • Investment Only Sweep: Funds moved nightly from checking account to investment account, and back when needed
  • Loan Only Sweep: Funds swept from checking to decrease line-of-credit loan, or advances to checking when needed
  • Loan Investment Sweep: Funds swept to line-of-credit loan balance until zero, then to investment account; when needed, funds are swept from investment account before advancing loan.

Sweep options are determined in advance and automated during nightly processing. Amounts are made to the penny. We provide monthly account analysis and a checking statement.

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Agricultural Sweep

Designed specially for agricultural businesses with seasonal cash flow, wishing to maximize use of excess funds.

  • Pay down your line of credit ($10,000 ag line required) with excess cash
  • Tie one line of credit to your checking account
  • Advance on your line of credit and automatically transfer to checking account
  • Take advantage of The Best FREE Small Business Checking
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ACH Origination

We offer a variety of ACH Origination Services, which help you take advantage of the speed and convenience of paperless electronic transactions. Whether it's offering your employees cost-effective automated payroll deposits, collecting funds in a time-sensitive manner, electronic bill payment, or simply an efficient way to move funds between accounts, we provide the services to meet your demands.
ACH Origination Services include:

  • Direct deposit payroll
  • Payment (donation) collection
  • Cash concentration
  • Bill payment
  • Bank-to-bank transfers