Johnson Bank treasury management allows your business to better manage money during every stage of the cash flow cycle with services that include electronic payment processing, fraud prevention and 24/7 account access with Business Gateway®. In addition, our treasury management solutions provide your company with strong security controls including multi-factor authentication, dual control approvals and Trusteer Rapport, a malware detection and removal solution which will protect your accounts from hackers.
Improve your company's funds availability, cash forecasting and audit control by collecting funds more quickly and utilizing cash for investing or debt reduction.
Automated Clearing House (ACH) Collection
ACH Collection is an efficient, cost-effective way to collect receivables so you know exactly what will post daily. It is ideal for recurring payments like dues, lease/loans, charitable contributions, and more.
DepositPartner provides you with the technology to image-capture checks and send them securely over the web saving you a trip to the bank. Make electronic deposits right from your location - a convenience designed to streamline your deposit management process.
Deposit Reconciliation allows you to monitor deposit activity at all of your locations through one account, giving you greater control and efficiency.
Deposit Reporting offers a convenient way to move idle funds from remote locations and lockboxes to your Johnson Bank account to improve daily cash flow.
Lockbox service takes the work out of processing receivables for you and accelerates your cash flow. Your customer’s mail their payments to a P.O. Box, payments are retrieved, processed and deposited the same-day received.
Reduce your risk as well as the costs associated with disbursing funds to vendors, employees and investors using tools such as ACH payments and wire transfers.
ACH Payments quickly and conveniently send payments electronically. They're ideal for payroll, taxes, dividends, interest, expense reimbursement, insurance claims and vendor expenses.
Need to send a payment quickly? With Same Day ACH, you can initiate payments for payees to receive funds the same day. Learn more
Same-day clearing totals eliminate guessing games and allow you to make informed investment or borrowing decisions more quickly.
Payroll Direct Deposit
Direct deposit allows you to deposit your employees' pay directly into their accounts via the ACH network, saving time for you and your employees.
With Same Day ACH, you have the added flexibility for late and emergency payrolls, and paying hourly workers. It also enables your employees to have faster access to their pay. Learn more
A wire transfer is the fastest mode of transferring funds to your recipient. It can be used across the globe in various countries.
Zero Balance Accounts
Zero Balance accounts automatically transfer funds between operating and disbursement accounts to finance expenses such as payroll, eliminating the need for manual transfers.
Improve your company's efficiency in treasury management and information reporting while enjoying quick access to updated account information.
A detailed monthly account analysis that provides activity, and a breakdown of average balances, services used and fees.
Account Reconciliation Services
Account Reconciliation Services increase accuracy, reduce paperwork and provide detailed monitoring and reconciling of checking accounts saving you time and effort.
Improve your company's cash flow by tracking and managing your balances and transactions anytime, anywhere with 24/7 online access.
Stop using up valuable megabytes or file space by storing check images. We'll compile statements, paid and cancelled checks on a CD-ROM for you with easy-to-search features. Available monthly or annually.
Electronic Data Interchange (EDI) Reporting
Enhance your treasury management by utilizing the electronic network to replace mail delivery for payment and remittance detail.
Investments & Borrowing
Grow interest income and reduce expenses by automating your overnight investments and short-term borrowings using automated sweep accounts.
Automated Investment Sweep Account
An Investment Sweep maximizes your funds by investing excess cash automatically between centralized operating and interest-bearing accounts daily.
Automated Line of Credit Sweep Account
A Line of Credit Sweep transfers funds automatically between your operating account and your Line of Credit to pay down debt efficiently, reduce interest expense and cover disbursements.
Fraud Prevention Services
Johnson Bank safeguards you against check and ACH fraud, by constantly enhancing our fraud prevention knowledge, services and products.
An inexpensive solution to manage unauthorized electronic activity by blocking ACH transactions from posting to your account.
An early-warning, fraud detection system that makes it easy for you to stop fraud before it occurs. We offer three types of Positive Pay:
ACH Positive Pay Also known as ACH Debit Filter, ACH Positive Pay allows to you set up companies that are authorized to debit your business account and then alert you of transactions attempting to process from unauthorized companies. You can review these transactions then decide to pay the item, add the debtor as an authorized company or have the transaction returned.
Check Positive Pay Electronically submit your check register to Johnson Bank. We will only pay the checks listed - with the specifications you indicate - such as amount, serial number or, if contracted for, payee.
Reverse Positive Pay An alternative for companies that are unable to provide their check register in advance, Reverse Positive Pay allows you to identify questionable checks by reviewing all checks that were presented for payment the prior day and approving each for payment.
Part one of a two‐part series
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Part two of a two‐part series
In part one of this series we discussed the importance of a strategic plan, including the need to properly identify your target market and the significance of understanding your balance sheet. A strategic plan for growth
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