Treasury Management

Take control of your cash flow.

Superior customer service combined with the tools needed to effectively manage business finances anytime, anywhere.

Brentwood Bank provides tiered commercial banking solutions to support businesses at every stage of growth. Our Treasury Management team matches small, mid-size, and large organizations with customized services that enable them to:
  • Optimize cash flow
  • Accelerate receivables
  • Manage liquidity
  • Minimize risk
  • Protect against fraud

Our experienced treasury management specialists work closely with you to implement solutions that enhance operational efficiency and support the long-term financial success of your business. Our team has extensive knowledge and experience in the following categories:

Manage receivables efficiently and accurately to optimize cash flow.

Streamline your invoice and payment collection system by using automation to quickly process payments. Receivables become more manageable with our innovative e-banking tools and services.

ACH Debit

Collect receivables quickly and accurately with electronic transfers through the Automated Clearing House (ACH) Network.

Additional benefits of ACH Debit include:
  • Track receivables for more accurate cash flow projection
  • Fewer lost payments compared to paper checks
  • Reduced payment processing costs vs. credit card payments
Plus, optional dual controls ensure no single person can process an ACH transaction end-to-end, reducing the risk of employee fraud.

Remote Deposit Capture

Save time and money by depositing checks into your accounts remotely. Deposit checks from the convenience of your desk using an in-office scanner.

Additional benefits of Remote Deposit Capture include:
  • The ability to make deposits 24/7
  • Decreased trips to a bank branch
  • Deposits credited to the account within 24 hours
Merchant Processing

Brentwood Bank brings together local insight, exceptional service, and world-class technology to take your credit card processing to the next level. Our merchant processing solution lets customers pay with multiple payment types—including iOS and Android mobile wallets—using in-store or portable POS terminals.

Most transactions are deposited within 24-48 hours, which can improve cash flow.

Additional benefits of Merchant Processing include:
  • Payment processing with enhanced fraud detection capabilities
  • Real-time transaction reports that can be run from any PC
  • Loyalty programs and sales customized for your customers’ buying habits

ZRent streamlines the collection of rent and condo dues, resulting in faster payment collection. Landlords and property managers use this software platform to simplify rent collection, payment forecasting, lease management, and more.

Distribute funds quickly and efficiently.

Ready access to cash can help businesses more easily pay for everyday expenses and potentially obtain limited-time volume discounts from vendors. Simplify expense management with these secure, hassle-free tools.

ACH Credit

Set up electronic payments through the Automated Clearing House (ACH) network to quickly distribute funds.

Additional benefits of ACH Credit include:
  • Track payables for more accurate cash flow projections
  • Fewer lost payments compared to paper checks
  • Greater accuracy and efficiency vs. manually entering information

Plus, optional dual control capabilities ensure no single person can process an ACH transaction end-to-end, reducing the risk of employee fraud.

Wire Transfers

Send payments quickly and from the convenience of your office or home. Ideal for businesses that transfer large sums of money to external bank accounts or for frequent wire users.

Credit Cards

Choose from our popular Visa® credit card options based on your spending requirements and business goals:
  • Low introductory rate
  • Cash back rewards
  • Flexible rewards
No matter which card you choose, your business will benefit from important features like:
  • Free online expense reporting tools
  • No fee for additional employee cards
  • Mobile payment capability for added convenience
  • Zero Fraud Liability *
  • Cardmember Service available 24 hours a day/365 days a year
Debit Cards

Provide employees with a Brentwood Bank Business Debit Card for online and in-store purchases. This chip card is accepted anywhere Mastercard® is welcome, eliminating the need for employees to submit reimbursement requests for travel or other business-related expenses.

Additional benefits of business debit cards include:
  • Reduced need for petty cash
  • Itemized monthly and online statements for easy tracking
Account Management

Robust account management tools that help keep your business running smoothly.

Online bill pay

Save time and money vs. writing checks and ensure payments are received on time by setting up automatic online bill pay. Schedule one-time and recurring payments so they arrive in time to secure early payment discounts or avoid late payment fees.*
  • View and pay recurring bills online
  • First 25 bill payments are FREE **
  • More secure than mailing checks

* Pay any businesses or individuals (exceptions: tax, court-appointed, and foreign payments)
** A small fee may apply for any payments over 25

Zero Balance Account (ZBA)

If you use multiple checking accounts to manage business expenses, you might benefit from a ZBA. This account maintains a zero balance by sweeping funds into a higher interest-bearing account at the end of each business day. Funds can move quickly between accounts to cover check payments, ACH debits, and wire transfers.

  • Designate separate ZBA accounts based on intended use (payroll, departmental spending, etc.)
  • Simplify account reconciliation since transaction details are posted to individual ZBA statements
  • Reduce employee-related fraud with account transparency of the linked accounts

Protect business assets and reduce fraud-related losses.

Protect your business from financial losses due to payment fraud.

Check Positive Pay

This automated cash-management service discourages check fraud by matching your business’s disbursement file to checks presented prior to payment. Suspicious checks are sent back to your business for examination.

ACH Positive Pay

To help reduce fraud, this service allows you to review all incoming ACH debits and credits before they’re processed in your bank account.

Account Tools

Receive customized account notifications so you can monitor what matters most to your business. Stay alert to specific account activity in real-time. Sign up for email or text alerts for:
  • High-dollar payment transactions
  • Electronic funds transactions (EFTs) exiting an account
  • Account balance thresholds so you can move funds to a higher interest-bearing account
  • And more!

Guard your business debit cards with this cardlock feature to protect against unauthorized withdrawals and purchase transactions.  Use CardValet, available within the Brentwood Bank mobile app and online banking, to turn a debit card off if you suspect an employee or another individual has unauthorized access to the card.

CardValet also allows you to:
  • Manage business spending by using transaction controls for merchant codes, location, and thresholds to ensure employee spending follows company policies
  • Receive alerts when a debit card is used, approved, or exceeds the transaction controls set by you
  • Stay informed of potential fraud, with alerts on attempted and declined transactions
Credit Card Zero Liability *

With Brentwood Bank Business Visa®, credit card holders and authorized users are not liable for fraudulent, unauthorized purchases. Certain conditions and limitations may apply.

Stay on top of finances to maximize business operations and guard against fraudulent activity.

Account activity reports allow you to access the crucial information you need to make important business decisions.

Reconciliation Reports

Accurately and efficiently balance accounts at month-end.

Real-time Statements

Access information about accounts anytime through online banking,

Treasury Management Services

Brentwood Bank understands that businesses have different needs that vary according to their current situation and strategic plans. Our Treasury Management options are tailor made for companies that recognize the next level of growth is easier when you’ve implemented a flexible system. Explore your options below.

Business Essentials – Includes the treasury management services essential for running a business

Business Preferred – Includes all Business Essential services plus four additional services

Business Premium – Includes all Brentwood Bank treasury management services

Business Elite – Includes all Brentwood Bank treasury management services plus a high-yield money market account
Business Checking
ACH Debits & Credits
Debit Card
Credit Card
Employee Purchasing Card
Fraud Mitigation Account Tools
Online Banking
Mobile Deposits
Night Deposit Services
MX Money Management Tool
QuickBooks Direct Connect Integration
Merchant Processing Option
Bank @ Work Program
Remote Deposit Capture  
ZRent Software  
Reduced Wire Transfer Fees  
Zero Balance Accounts  
Check & ACH Positive Pay    
ACH Origination    
High Yield Money Market      


For questions and information or to get started today, call our Treasury Management team at 412-347-3150

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