Treasury Management

We want to make it easy and convenient to run your business, and our line of Treasury Management services can do just that. Our online banking and bill pay system allows you to check balances, monitor transactions, pay bills and more, while our Cash Management Internet Banking System makes ACH and wire origination easy and secure with customized templates and reporting, dual controls, and alerts. We also offer Positive Pay, Remote Teller, credit and debit card processing, and e-commerce services.

Start a conversation with our experienced business banking team today. Contact us, visit one of our locations or request a financial review to discuss the needs of your business.

Cash Management: ACH and Wires

Our Cash Management Internet banking system makes ACH origination easy and secure. You may choose to upload a NACHA-formatted file from your accounting software or create your own batch within our system.

Transfer funds between accounts.
Reduce administrative costs associated with billing and payroll applications.
Drastically reduce float resulting from mailed payments.
Eliminate time spent reconciling items.
Guarantee timely collection and disbursement of repetitive payments.

Business Online Banking & Bill Pay

Manage our business checking and savings accounts anytime. Check balances, monitor transactions, transfer funds, pay bills, and much more. It's all online and always open.

Online banking and bill pay is available for small- and commercial-sized businesses.
No monthly fee for online banking and small business bill pay.
Access to deposit and loan accounts 24 hours a day.
Compatible with many financial software programs as well as QuickBooks compatible.

Security and Dual Control

Our Cash Management features a user-friendly, secure, robust reporting service.

Each user is assigned a unique login and password which will only allow them into functions of the system, specific accounts, and access during certain times of day that have been assigned by your Administrator.
Physical security token or mobile application is given to each user to give them an additional unique code each time they sign into the system.

Fraud Prevention

Positive Pay nearly eliminates check and electronic transaction fraud by matching your issued payments file to pending transactions. We report items that do not match your listing and await your decision on whether or not to pay or return unmatched items. This includes electronic transactions.

Catch fraudulent activity before the money leaves your account.
Simple online approval process.
Compares checks and electronic transactions presented for payment to those in your transaction-issued file.
Sends alerts when a mismatch occurs.
The user decides whether or not to approve the transaction.
Enjoy increased peace of mind knowing your account is secure.

Remote Teller

Deposit checks right at your desk. All you need are a computer, our scanner or mobile smartphone, and a secure Internet connection. You can make deposits until 6:00 p.m. and still receive same-day credit.

Remote Teller Login

Deposit checks from the convenience of your office.
Utilizes a desktop check scanner and secure Internet connection.
Simply endorse, scan, and submit a check image file to the bank for processing.
Streamline check handling from multiple offices or locations.
Same-day credit up to 6 p.m. CST; realize funds quicker, accelerating cash flow.
Save time; the whole process can be completed in a matter of minutes.
Reduce time and money spent on document preparation and transportation.
Reduce bookkeeping and accounting errors.
Reduce the risk of check fraud by eliminating the circulation of paper checks.

Remote Teller Demo

Mobile Remote Teller Demo

Treasury Management Bundles

One of our treasury management business banking bundles may be right for your business if you want to lower costs, improve cash flow, simplify forecasting, and mitigate fraud risk.

Solution 300 Checking Plus

$19.95 per month

Cash Management: ACH and Wires
Positive Pay

Solution 300 Checking Premier

$49.95 per month

Cash Management: ACH and Wires
Positive Pay
Remote Teller

Merchant Services

Town and Country Bank and Peoples Prosperity Bank offer Credit/Debit Card Processing Services for your business. In partnership with Merchant e-Solutions, our program can improve your cash flow by increasing your ability to collect payments electronically and save time with state-of-the-art online reporting. This service makes it easier to receive donations and payments as more consumers are using credit cards and debit cards.

We support traditional credit card terminals and phone links, online shopping cart gateways, and virtual terminal access for repetitive billing.
We competitively price your service based upon your transaction volume and type of transactions and cards accepted.
We offer online reporting and monthly billing for easy reconciliation.
We will reprogram your existing equipment or offer a competitive point of sale equipment pricing.

Lockbox Services

Town and Country Bank and Peoples Prosperity Bank offer a robust lockbox remittance processing service to enable you to support your customers who prefer a traditional approach to submit payments. Your customers can send their payments to a designated PO Box which is collected and processed directly into your account. Our platform allows you to respond to your customers' inquiries by researching payment activity and viewing stub images online in seconds. If you have multiple payment streams, our electronic lockbox is an electronic payments concentration solution that combines customer electronic payments from different networks and financial institutions and converts the payments into a single deposit.

We offer wholesale and electronic retail lockbox
Same-day remote access to processed items
Enhanced research portal that provides secure and encrypted access to archived customer payment data
Our technology minimizes the manual process of identifying changes to your customers' addresses and account numbers

Sweep and Zero Balance Accounts (ZBA)

The Zero Balance Account (ZBA) allows you to maintain separate bank accounts for different purposes, such as payroll, health insurance, or accounts payable while controlling all balances through a single parent account. This allows you to maintain all of your balances in the parent account giving you the highest balance available to you for cash management.

Your statements will indicate one transfer to or from each ZBA each day that there is activity. Separate statements are provided detailing the activity within each account. ZBAs provide tracking and reporting for individual accounts while allowing a concentration of funds for a higher return on deposits.

CDARS and ICS

Town and Country Bank and Peoples Prosperity Bank are members of CDARS® (Certificate of Deposit Account Registry Service) and Insured Cash Sweep^SM (ICS)*. These products give you the security to obtain FDIC insurance and earn competitive interest rates in both liquid and term investments. This additional insurance can eliminate collateralization requirements and make accounting procedures more efficient.

When we place your deposit within the network, the deposit is divided into amounts under the standard FDIC insurance maximum of $250,000 at other well-capitalized banks. As a result, you can access coverage from many institutions while working directly with just us. You receive one easy-to-read statement from our bank summarizing all your money market and CD holdings.

Our bank now offers automatic program deposits and withdraws from ICS. You can set sweep thresholds for your account that will automatically generate program deposits and withdrawals.

Learn More about CDARS

Learn More about ICS