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Take a Closer Look at the Big Picture
Comprehensive Treasury Management services from Western National Bank give your company leading-edge tools to manage funds efficiently and create bottom-line results.
Western Cash Manager: Our online treasury management system is a powerful and convenient way to make technology work for you, replacing time-consuming paperwork with fast, efficient electronic solutions.
- View and reconcile accounts
- View transaction history and account/loan balances
- Move funds between accounts
- View current day check clearing detail to manage disbursements
- View current day incoming ACH detail
- Search for specific transactions
- Retrieve paid check images and prior bank statements
- Initiate ACH transactions, including Direct Payroll Deposit, tax and vendor payments, and all other EFT options
- Initiate and approve domestic and international wire transfers with Fed reference numbers provided online
- Authorize payment orders
- Electronically concentrate cash in predefined accounts
- Place stop payments for single or multiple checks
- Create different access privileges for different system users
Remote Deposit Capture: Make deposits from the convenience of your office—and save a trip
to the bank—using Remote Deposit Capture services. We offer standard and premium packages for the
scanning of your checks for electronic deposit. See the Remote Deposit information sheet for more detail.
Positive Pay: Enjoy the security of enhanced fraud detection with Positive Pay services. This service
lets you transmit a list of officially issued checks to the bank, then these authorized items are matched against
all items as they clear. Checks that do not match are identified and then immediately presented to you for a pay or no pay decision. In today’s current environment and with the increased volume of check fraud, we
strongly urge all commercial or business clients to consider taking advantage of this very key service.
Sweep and Cash Concentration Accounts: Western National Bank’s sweep and cash concentration options put your money to work—rather than sitting idle. Options include:
Zero Balance Accounts (ZBAs): If you prefer to segment your company’s business into separate accounts, ZBAs allow you the flexibility of funding the accounts only as items are presented for payment, with funds swept from a central funding account.
Concentration Accounts: Designed for businesses with multiple locations, a Concentration Account lets your company centralize funds from several locations into one account at Western National Bank.
Overnight Investment Accounts: We customize each client’s specific needs to maximize your desired objectives. Ask your Treasury Management representative for full details.
Combined Account Analysis: Consolidate your company’s balances to receive earnings credit to reduce or eliminate monthly service fees. You will receive this earnings credit based on your combined average collected DDA balances each month.
Imaged Statements: For ease of review and retrieval, your Western National Bank statements are imaged and archived for access online. You are able to view and print your statements on the first business day of the following month.
Wire Transfers: Initiate wires online through Western Cash Manager with a system that is safe and secure, putting the power to move funds at your fingertips. In addition to multiple approval levels, our system allows you to establish multiple users who can be granted specific capabilities. Western Cash Manager provides you with Fed reference numbers for complete verification.
Lockbox Services: Streamline and accelerate accounts receivable collections with our leading-edge wholesale and retail lockbox program. Each client utilizes a unique P.O. Box number as the address for your payments. Our lockbox area processes your receivables each morning so that your deposit is electronically posted to your account at Western National Bank in a timely manner. We customize each lockbox scenario so that your specific needs are satisfied. Reporting options include: custom reports for fax or e-mail, electronic file delivery, and full imaging.
Credit Card Merchant Services: If your business accepts MasterCard® and/or VISA® credit or debit cards, we invite you to consider Western National Bank’s Merchant Services Program. We have the expertise to help you set up a new program from scratch, or to convert your current merchant program from another financial institution or third-party processor. Receiving electronic deposits for your merchant sales is made easy and cost-effective.
Western Valet: The ultimate in convenience and personal service, Western National Bank comes to your office or business to pick up your paper-based deposits. Our uniformed and friendly couriers will come to you based on your deposit needs. Western National Bank clients are able to say “My bank comes to me.”
For more information and to take advantage of any of our leading product offerings, contact a Treasury Management representative today.
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