Treasury Management

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Salin Bank’s Treasury Management team consists of seasoned financial experts who are ready to help you grow your money while minimizing risk. No matter what the financial challenge may be, we’ll create a customized solution designed to improve cash flow, produce revenue and help you meet short and long-term financial goals. With Salin Bank, you can expect results with unparalleled one-on-one customer service combined with personalized cash flow management.

Sweep Account Services
Zero Balance Account
Positive Pay Services
Remote Deposit
ACH Origination
Loan Sweep
Lockbox Services

Sweep Account Services

With this innovative business solution, you’ll be able to maximize idle funds while earning interest income. Once your bills are paid, excess funds from your Business Analysis Account are automatically invested for you at competitive market rates. Conversely, if the balance in your business checking account falls below the preset sweep point, money is automatically swept back from your account to maintain a minimum target balance. To learn more about our Sweep Account Services, contact our Treasury Management team.

Zero Balance Account

Like many businesses, you may use several checking accounts for deposits and payments. With Salin Bank’s Zero Balance Account, you no longer need to make deposits into multiple accounts or transfer funds into multiple disbursement accounts. Instead, automatic transfers are made to and from your primary (or master) account to cover all daily activity, returning your disbursement account balances to zero. Excess balances are eliminated, which lets you optimize cash flow. At the end of each month, an individual, detailed statement is created for each account. For more information about our Zero Balance Accounts, contact our Treasury Management team.

Positive Pay Services

Positive Pay is an efficient check verification service that protects your account from check fraud. You’ll be able to monitor checks processed for payment against your account and reject unauthorized transactions before losses occur. Any discrepancies are swiftly investigated and referred to you. If you would like more information about our Positive Pay Services, contact our Treasury Management team.

Remote Deposit

Salin Bank was one of the first banks in the industry to offer Remote Deposit to its customers. With our Remote Deposit service, you can scan checks from any geographic location and then safely and securely transmit the scanned images to Salin Bank for posting and clearing. The best part: No expensive or complicated IT requirements. Salin Bank provides the scanner for your office. That means no up-front equipment and installation costs to you. If you would like additional information about our Remote Deposit, contact our Treasury Management team.

ACH Origination

If you’re looking for a safer and faster way to make and receive payments, then Salin Bank’s ACH Origination Service can help. Customers can initiate electronic transactions quickly, efficiently, and securely, with ACH transactions originated manually or via electronic import functionality. As a result, you’ll be able to streamline a variety of processes, including:

• Direct deposit of payroll, dividends, expense reimbursements, commissions, health savings account contributions and pensions;
• Collection of premiums, dues, and invoices/bills; and
• Disbursements to fund payroll, vendor payments, and expense/operating accounts.

For more information about our ACH Origination, contact our Treasury Management team.

Loan Sweep

If your cash position fluctuates from day to day, you need a service that responds automatically to those changing cash-flow needs. Salin Bank’s Loan Sweep services are a cost-effective way to maintain a target balance in your checking account while minimizing borrowing expenses. The Loan Sweep product automatically advances on your line of credit when your checking account drops below a predetermined balance. Alternatively, it will use excess collected deposits in your checking account to pay down your line of credit. To learn more about our Loan Sweep, contact our Treasury Management team.

Lockbox Services Salin Bank’s Lockbox Services are an efficient, reliable, and cost-effective way for you to collect and process receivables. With our high-speed extraction equipment for opening mail and image-based technology for capturing, reconciling, and transmitting transaction information to your receivable system, you’ll improve your cash flow while saving time and money. To learn more about our Lockbox Services, contact our Treasury Management team.