Business Banking
Treasury Management Solutions
Managing your company’s cash flow shouldn’t be complicated. Our Treasury Management services give you the tools and technology to streamline operations, monitor for fraud, and optimize your working capital. From automated sweep accounts and zero balance accounts to positive pay fraud detection, ACH payments, and comprehensive merchant services, we provide solutions that save you time and reduce risk.
ACH Origination & Tax Payments
Streamline your business payments with ACH and tax solutions.
Take control of your payment and receivables processes with ACH and tax payment origination services. Whether you’re managing payroll, vendor payments, or tax obligations, our platform makes it easy to initiate secure electronic transactions directly from your account. Schedule payments in advance, set up recurring transfers, and eliminate the hassle of writing checks or manual processing. From federal and state tax payments to supplier invoices, our ACH solutions give you the flexibility and efficiency to handle payments on your schedule while maintaining complete visibility and control over your cash flow.
Manage payment seamlessly with TCB business cards.
Choose from a full suite of payment options designed for the way you do business. TCB offers business credit cards, debit cards, and purchasing cards-each with built-in controls and management tools to help you monitor spending, set limits, and manage expenses with confidence. Whether you’re handling day-to-day transactions or major purchases, our solutions make payment management simple and secure.
Mobile Deposit & WebRDC
Deposit checks anytime, anywhere.
Eliminate unnecessary trips to the branch with TCB Mobile Capture. Our mobile deposit solution allows you to deposit checks directly from your smartphone by capturing images of the front and back, whether you’re at your office, meeting with clients, or working remotely. Available on both iOS and Android devices, the platform provides secure processing that accelerates your cash flow. For businesses handling higher check volumes, our WebRDC merchant capture solution enables you to process hundreds of checks per batch from your desktop, streamlining operations without leaving your office. TCB’s remote deposit solutions deliver the efficiency and reliability your business needs to maintain momentum and focus on what matters most.
Advanced Fraud Tools
Protect your business from payment fraud.
Safeguard your accounts against unauthorized transactions with TCB’s comprehensive fraud protection solutions. Our Positive Pay service allows you to provide us with a list of checks you’ve issued, and we automatically flag any items that don’t match for your review before processing, giving you control over what clears your account. For even greater protection, Reverse Positive Pay flips the process: we send you daily reports of items presented for payment, and you confirm which ones to pay and which to return. Both solutions provide an essential layer of security against check fraud, altered checks, and counterfeit items. With real-time alerts and intuitive review tools, you can quickly identify suspicious activity and prevent losses before they impact your business.
Sweeps & Zero-Balance Accounts
Optimize your cash with automated account transfers.
Put your idle cash to work with TCB’s sweep accounts and zero balance accounts (ZBAs). Sweep accounts automatically transfer excess funds from your operating account into interest-bearing accounts at the end of each day, maximizing your returns while maintaining the liquidity you need for daily operations. Zero balance accounts take efficiency even further by automatically consolidating funds from multiple subsidiary accounts into a master account, giving you centralized control and simplified reconciliation. Whether you’re managing payroll, vendor payments, or departmental expenses across different accounts, ZBAs eliminate manual transfers and ensure optimal cash positioning. These automated solutions reduce administrative burden, improve cash visibility, and help you make the most of every dollar in your business.