Home | Business Banking | Treasury Management Solutions

Treasury Management Solutions

Essential and practical Treasury Management Solutions are keys to optimize a company’s overall financial performance while adding profitability for your business. An MCB Treasury Management Professional will work with you to develop and customize cash flow solutions for your business, as well as keep you informed on the latest industry trends and new ways to optimize your treasury management process.  Our Treasury Management Professional will:

Provide a free cost analysis of your current treasury management program
Help you navigate through changing business cycles
Tailor financial services to meet your short- and long-term goals
(Click here) to have one of our Treasury Management Professionals contact you with more information.

MCB Treasury Management Solutions offers an extensive menu of products and services to fit your needs including:

ACH (Automated Clearing House) Services
ACH Positive Pay
Automated Sweep Options
Business Checking Accounts
Business Visa Credit Card with Benefits
EDI (Electronic Data Interchange) Reporting
Merchant Services
Online Banking with Cash Manager Services
Positive Pay
Remote Deposit Capture

For more information about MCB Treasury Management Solutions, please contact:

Nellie Dunn
VP, Treasury Service Manager
cm@mcb.com
865-694-5718

Back to top

ACH(Automated Clearing House) Services
An Internet-based ACH system available through MCB’s Online Banking allows you to initiate payroll deposits directly to employees’ accounts, make electronic tax payments, collect pre-authorized dues or insurance premiums, and distribute or consolidate funds from other financial institutions.

Back to top

ACH Positive Pay
ACH Positive Pay helps guard against unauthorized electronic activity.
Parameters are defined for preauthorize ACH transactions for an account.

Back to top

Automated Sweep Options
A Commercial Line of Credit sweep automates the decision – making process for borrowing. Funds available at the end of each day are automatically transferred to cover checks presented for payment and other debits, and the excess funds are automatically moved daily to pay down the outstanding balance on a line of credit.
Prevent funds from sitting idle by using a ZBA (Zero Balance Account). Keep a zero balance in accounts, such as petty cash or payroll, and a higher, predetermined balance in another, such as an operating account. When items are presented for payment, the exact amount is transferred as needed into the appropriate account. ZBAs can be used to maximize efficient usage of funds through pooling of cash resources and can be used in conjunction with other sweep accounts. Perfect for overdrafts or funding errors.

Back to top

Business Checking Accounts
Business Plus
Non-Profit Business NOW
Business Interest Analyzed Checking
Commercial Advantage with Account Analysis
IOLTA (Interest on Lawyers Trust Account)

For more information (click here)

Back to top

Business Visa® Credit Card with Benefits
Visa® is accepted at thousands of locations worldwide for just about any type of purchase.
Travel Accident Insurance & Scorecard® Bonus Points

For more information (click here)

Back to top

EDI (Electronic Data Interchange) Reporting
Receive same-day detailed remittance information needed to effectively manage your company’s receivables. We will translate the addenda information received with your Automated Clearing House (ACH) incoming transactions.
The information contained in these messages from your remitter typically includes medical insurance reimbursements (including NACHA CCD+ healthcare legislation compliance, CCD and CTX), invoice, purchase order numbers and other useful payment-related data.
Information is delivered to you via our MCB Encrypted E-mail Service – safe and secure to anyone you designate to receive items for posting and reconciliation.

Back to top

Merchant Services
MCB Merchant Services program enables your business to accept credit cards, debit cards, electronic checks, gift cards, and other payment options. Merchant services will provide payment options, simplify your business operations, and increase revenue.
Choose from a wide variety of advanced processing technologies including wireless, Internet and PC-based options. (Click here)to have one of our merchant representatives contact you with more information.

Back to top

Online Banking with Cash Manager Services
Up to-the-minute account information is available when you want it, all from the privacy of your office or home. Upon enrollment, you will receive customized online access to review all of your business account histories, view check images, initiate stop payments, make account-to-account transfers, download to money management software, pay bills online, and more.
You will also have the option for Cash Management Services, such as ACH Service, Domestic Online Wire Transfers, Positive Pay, ACH Filtering and Business Online Bill Pay Services.
Accessing MCB Online to view daily activity will assist with reconciliation and fraud detection.

To view a DEMO of Online Banking Cash Management (click here)

Back to top

Positive Pay
Positive Pay is your tool for recognizing those fraudulent checks so that you can take action to minimize your risk.
Checks presented over-the-counter for payment at our MCB branches are matched against your issue data before payment.
We utilize your issue data to verify the checks that have posted to your account. Non-matching items are reported via a Positive Pay Exceptions Report for your review and payment decision.

Back to top

Remote Deposit Capture
Deposit checks right from your place of business by using MCB’s Remote Deposit Capture and we will give you same-day processing until 6 p.m.
Our Treasury Management Professionals can help assist any business by setting up a check imaging scanner at your location. Once installed, the check scanner will image your checks and transmit them for deposit. No one has to leave the office to make a “run to the bank”. Ask a representative about this service.

If you have this service, click here to access your setup.

Here is a video that explains Remote Deposit Capture
Is Remote Deposit Capture an option for you? Take this quiz (Click here)

Here is a video explaining Remote Deposit Capture
Back to top

Contact a Banker Today!