Treasury Management Services

Get powerful tools and 24/7 access to help your money work at peak efficiency.

 

Treasury Management Services

Get powerful tools and 24/7 access to help your money work at peak efficiency.

Tools to Help Your Business Thrive.

Get the solutions your business needs to streamline collections and payments, manage liquidity, resolve working capital challenges, and prevent fraud.

Remote Deposit Services

Remote Deposit Services

ACH & Wire Origination

ACH & Wire Origination

Zero Balance & Platinum Sweep Accounts

Zero Balance & Platinum Sweep Accounts

Positive Pay

Positive Pay


Treasury Management Products & Services.

  • Sierra Remote Deposit Capture: Save time and get funds to your account sooner with fewer controls, by using a bank-provided scanner.* You can submit check deposits electronically from approved business location(s) directly to your Bank of the Sierra Business Checking Account(s). Request our Remote Deposit Capture User Guide to learn more.

  • Sierra Remote Deposit Now: Ideal for businesses with high-volume transactions, this service helps improve your company’s efficiency. Reduce operating costs by electronically depositing checks into your Bank of the Sierra Business Checking Account(s) using a bank-provided scanner. Request our Remote Deposit Now User Guide to learn more.

  • Mobile Remote Deposit Capture: Quickly and securely deposit checks directly from a mobile device or smartphone into your Bank of the Sierra Business Checking Account(s), whenever and wherever it’s convenient for you. Businesses enrolled in Mobile Remote Deposit Capture can use our Mobile Business Deposit App to remotely scan and deposit paper checks from anywhere. Request our Mobile Remote Deposit Capture User Guide to learn more.

  • Automated Clearing House (ACH) Origination – Collections: Simplify your system of sending out bills or collecting payments. With ACH Origination, your business can efficiently process collections by debiting customers’ accounts directly – no more waiting for checks to clear.

  • Automated Clearing House (ACH) Origination – Payables: Increase control of payments and use ACH origination to streamline your employee payroll. Easily make one-time and recurring vendor payments by sending funds directly to recipients’ accounts.

  • Wire Origination: Business clients can initiate outgoing wires in U.S. dollars to approved destinations, domestically or internationally, to make recurring and one-time payments.

  • Zero Balance Account (ZBA): Improve budget management and maintain an efficient cash position with this centralized account, which automatically transfers funds between your Bank of the Sierra Business Checking Account(s) to cover upcoming transactions.

  • Sierra Platinum Sweep: Maximize your excess cash over $50,000 with this automated solution that sweeps idle funds from your Sierra Business Analysis Account into an interest-bearing Bank of the Sierra Money Market Account. Learn More.

Positive Pay & Payee Positive Pay: Help protect your business from costly fraudulent check transactions. Our fraud prevention tools can help catch unauthorized or suspect checks before they post to your account.

Positive Pay & Payee Positive Pay allows your business to upload your check issuances and any check that clears the day prior will be presented as an exception through Sierra Cash Management.

ACH Positive Pay: Fraud prevention service that allows our business clients to manage and review ACH debit transactions that posted to the account the prior day. This service allows businesses to identify potentially fraudulent transactions and decide whether to return or pay items after they have posted the following day.

For ACH Positive Pay to work, business customers must first indicate which ACH debit transactions should be allowed to be paid on their account. Then, our system uses these rules, customized by the account holder, to determine which of the prior day’s ACH transactions will be presented within Sierra Cash Management as exceptions the next business day.

Fraud Prevention Services

Fraud Prevention Service Per Account or Customer Transaction Type Information Reviewed Sierra Cash Management Required Current or Prior Day Exception Cutoff Time
Positive Pay Per Account Check
  • Check Number
  • Amount
  • Date of Issuance
Yes Prior Business Day 11:30am PST
Payee Positive Pay Per Account Check
  • Check Number
  • Amount
  • Date of Issuance
  • Payee Name
Yes Prior Business Day 11:30am PST
ACH Positive Pay Per Account ACH Debits
  • Company Name
  • Company ID (SEC Code)
  • Amount
Yes Prior Business Day 11:30am PST
Positive Pay
Per Account or Customer Per Account
Transaction Type Check
Information Reviewed
  • Check Number
  • Amount
  • Date of Issuance
Sierra Cash Management Required Yes
Current or Prior Day Prior Business Day
Exception Cutoff Time 11:30am PST
Payee Positive Pay
Per Account or Customer Per Account
Transaction Type Check
Information Reviewed
  • Check Number
  • Amount
  • Date of Issuance
  • Payee Name
Sierra Cash Management Required Yes
Current or Prior Day Prior Business Day
Exception Cutoff Time 11:30am PST
ACH Positive Pay
Per Account or Customer Per Account
Transaction Type ACH Debits
Information Reviewed
  • Company Name
  • Company ID (SEC Code)
  • Amount
Sierra Cash Management Required Yes
Current or Prior Day Prior Business Day
Exception Cutoff Time 11:30am PST

  • Secure File Transfers: Facilitates data access and data transfer with our commercial clients efficiently and securely. Secure File Transfers are commonly used for payroll, uploading payment data for fraud preventions services and more.

  • Bank Administration Institute (BAI): BAI2 file format is a specialized and standardized set of codes used for Treasury Management by the Bank Administration Institute. BAI2 files are a daily output of all account activity and sent securely through our secure file transfer services.

It’s Easy to Get Started.

Business and commercial clients are eligible to enroll in our Treasury Management Services. Contact your local banker to get started.

Master Treasury Management Services Agreement.

Treasury Management Services are available for customers with business and/or commercial accounts. Request our Master Treasury Management Services Agreement to help your business:

  • Accelerate deposits
  • Streamline payables
  • Optimize cash flow
  • Reduce risk

Request Agreement

More Solutions for Your Business Needs.

Business + Interest Checking

Enjoy everyday convenience plus competitive earnings.

Learn More

Small Business Lending

Fast-track your business’s growth with our streamlined online application process.

Learn More

Business CDs

Build up your long-term savings with a competitive certificate of deposit.

Learn More

More Solutions for Your Business Needs.

Business + Interest Checking

Enjoy everyday convenience plus competitive earnings.

Learn More

Small Business Lending

Fast-track your business’s growth with our streamlined online application process.

Learn More

Business CDs

Build up your long-term savings with a competitive certificate of deposit.

Learn More

*See Schedule of Fees for complete details.