Treasury Management

It’s easy to bank with Merchants Bank™

Treasury Management

It’s easy to bank with Merchants Bank™

Streamline Money Movement

Optimize your cash flow, simplify your processes, and gain greater control over your financial operations with our Treasury Management Services. Merchants Bank offers powerful solutions designed to enhance your business efficiency and maximize your financial resources, all backed by robust security features and customizable access controls.

Collecting Funds

Solutions designed to streamline and expedite your funds collection and processing.

Remote Deposit Capture
Deposit checks from anywhere in the country without a trip to the bank. Simply scan and transmit checks electronically for fast, secure processing.
Mobile Check Deposit
Deposit checks at your convenience, 24/7 from anywhere in the U.S. by scanning and transmitting checks electronically via our mobile app.
Electronic Deposits
Efficiently manage incoming funds with solutions that offer a fast, secure, and convenient way to receive payments and deposits.
· ACH (Incoming)
· Wire Transfer (Incoming)

Disbursing Funds

Solutions designed to simplify your payment processing and money movement.

ACH Origination
Streamline your payment processes with efficient ACH solutions. Improve cash flow, reduce manual processes, and ensure timely payments.
Wire Transfer
Send funds quickly and securely with same-day settlement. Our automated system handles thousands of wires monthly, ensuring your transactions are completed with speed and reliability.
Zero Balance Accounts
Automatically consolidate funds from sub-accounts into a master account at the end of each business day. This ensures sub-accounts maintain a balance of zero for better control and optimization of cash.

Account Management

Online tools and reporting that help you manage your day-to-day banking transactions.

Online and Mobile Banking
Access your accounts with ease – check balances, pay bills, transfer funds, and more. Boost your business efficiency with tailored balance and transaction reports, including nightly updates for optimal management.
Account Alerts
Stay informed with customizable notifications for account balances and transactions, keeping you in control of your finances.

Fraud Prevention

Safeguard your business against potential losses with our comprehensive fraud prevention solutions.

Positive Pay Service
Defend your business against check fraud with our Positive Pay service, one of the most effective tools for detecting and preventing check fraud. With Payee Name Matching technology, you can ensure every check is verified for authenticity to safeguard your funds.
ACH Positive Pay
Minimize risk and reduce exposure to ACH fraud. ACH Positive Pay automatically monitors ACH debit activity and notifies you of potentially fraudulent transactions based on parameters you set.
Online Security Tools
Help reduce your exposure to online fraud and reduce risk by instituting recommended tools and best practices.
· Multifactor Authentication
· Customized employee access controls
· IP address restrictions