Cash Management

We have tools designed to help maximize your interest income or minimize your interest expense. Put your idle funds to work, while improving profitability.

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Investment Sweeps

We invest excess available funds in your commercial checking account in an overnight repurchase agreement, fully collateralized by government agency securities. Invested funds plus overnight earnings are returned to your operating account at the start of the next business day. Non-deposit investments are not FDIC insured, may lose value, and have no bank guarantee.

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Loan Sweeps

We track available funds, and if excess cash exists, we use it to pay your line of credit, lowering interest expense.

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Zero Balance Accounts

We move funds automatically to and from your main operating account as deposits are processed and items are presented for payment to maximize your company’s funds.