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Treasury Management

What Are Treasury Management Services?

Treasury management services (TMS) are a set of specialized banking services, tailored to address the specific needs of businesses and nonprofits. These services focus on optimizing cash management, mitigating risk and improving operational efficiency—empowering your organization to function more effectively.

At Central Bank, our treasury management services are designed to provide your organization the financial tools it needs to thrive. To set up or manage your organization's treasury management services, please contact our Treasury Management Services department at (515) 331-7210 or tmsupport@mycentral.bank.

Improve Working Capital

Prevent Fraud Loss

Earn Cashback or Rewards

Accept Online Payments

Automate Invoicing

Local Service & Expertise

Improve Efficiency & Enhance Automation

How Treasury Management Services Can Improve Working Capital & Risk Mitigation

At its core, treasury management is about streamlining cash flow. This could involve managing receivables, payables and liquidity to ensure that funds are available where and when they're needed.

Beyond cash management, treasury management services also play a crucial role in risk management. This can include implementing processes to protect against fraud, managing interest rate risk and ensuring regulatory compliance.

At Central Bank, our team has the experience, technology and industry best practices you can rely on to build a customized financial solution. Contact our Treasury Management Services department at (515) 331-7210 or tmsupport@mycentral.bank to learn more.

Payables

Visa® Business Rewards Card

Create a strategy that reduces risk, time and cost by automating your payables and managing your travel and entertainment expenses. This strategy will improve cash flow and add a recurring revenue from your accounts payable.

Visa® Business Purchasing Card

Increase your purchasing oversight, reduce costs and streamline your payment process while earning cashback.

ACH Payments

Use ACH payments for control of your payables or receivables. Quickly send or receive funds while reducing costs and risks.

Wires & Checks

Wire transfer allows your to move money within hours via our online portal. Check fraud is one of the largest challenges facing businesses. We can help you reduce the risk with the proper fraud protection in place.

Receivables

Merchant Card Services

Accept credit and debit card payments, on the spot or online.

Point-of-sale
Virtual terminal
Payment gateway or online payments
Mobile card reader

Invoice Processing

Optimize your accounts receivable by reducing manual tasks and processing costs, while improving accuracy.

ACH Debit

Utilize ACH debit for control of your receivables or payables. Quickly send or receive funds while reducing costs and risks.

Mobile & Remote Deposit

Reduce time spent on banking with Remote Deposit. Make your daily deposits from your office. Then, export your deposits as soon as they're processed to ease reconciliation. For those one-off checks, use mobile deposit anytime, anywhere.

Fraud Protection

Managing Treasury Risks

In this ever-changing environment, businesses like yours need to understand the potential impact of unprotected processes to their bottom line.

We can help you reduce payment risks with Positive Pay, Payee Positive Pay and ACH Debit Protection.

Positive Pay & Payee Match

Positive Pay matches the check number, account number and dollar amount of each check to a check file authorized and issued by your company. You can also view and authorize checks before they post to your account. In addition to positive pay, payee match validates the receiving payee name to the payee name on your check issue file providing ease in your reconciliation process.

ACH Debit Protection

Utilizing filter and blocks, this online fraud mitigation service manages ACH debits that post to your business account—only processing payments you authorize.

Dual & System Control

Create dual controls to protect your company from internal and external fraud with regard to any outgoing payment of funds, and establish alerts for security, balance reporting and transaction activity.

Get notified of events important to your business.
Set up user-defined permission roles for various levels of access.

Efficiency

Accounting Software

Integrate account activity with your payroll or other accounting software for easy importing and reporting. Our software integrates with most accounting programs. Contact us to confirm your software is compatible with ours.

Liquidity Management

Line of credit sweep
Zero balance or target balance accounts
Money market accounts and CDs
Overdraft protection

Partner With Our Experienced Treasury Management Team

At Central Bank, we provide comprehensive industry insights and a broad range of experience to help you leverage your financial strengths. If you're interested in learning more about our treasury management services, contact our Treasury Management Services department at (515) 331-7210 or tmsupport@mycentral.bank.