Exchange Bank Treasury Management — Cash Flow Solutions for Business
Move money faster, prevent fraud, and eliminate idle cash. Exchange Bank treasury management services give growing businesses the same cash flow tools that large corporations rely on — without the enterprise-scale complexity or price tag.
Exchange Bank treasury management covers five core capabilities: ACH origination for payroll and vendor payments, positive pay to prevent check fraud, remote deposit capture for high-volume check receipt, lockbox for centralized receivables processing, and automated sweep accounts to maximize overnight earnings on idle cash. Services are available to Business Advantage and Commercial checking customers. Call (800) 397-3962 to discuss your cash management needs. FDIC insured. NMLS #480228.
Service Details
Exchange Bank Treasury Management — Services and Pricing Tiers
Every treasury service integrates directly with your Exchange Bank business checking account. Pricing scales with account tier and usage volume.
| Service | Description | Pricing Tier |
|---|---|---|
| ACH Origination | Initiate payroll direct deposits, vendor payments, and collections electronically through the ACH network. Supports standard (1-2 day) and same-day settlement. | $25/month + $0.10/transaction (Business Advantage); negotiated flat rate (Commercial) |
| Positive Pay | Upload issued-check register daily; Exchange Bank matches checks presented for payment and flags exceptions for your pay-or-return decision before settlement. | $30/month (Business Advantage); included (Commercial) |
| Remote Deposit Capture | Scan and deposit checks from your office using a bank-provided scanner or compatible device. Standard daily limit $25,000; higher limits available by request. | $20/month + equipment fee; included (Commercial) |
| Lockbox | Exchange Bank receives, opens, and processes paper remittances on your behalf. Daily scanned images and data files integrate with your AR software. | $75/month base + $0.40/item (available to Commercial accounts) |
| Automated Sweep | Excess checking balances sweep nightly into a linked money market account to earn interest. Funds return to checking each morning before business begins. | $15/month (Business Advantage); included (Commercial) |
Pricing subject to change. Volume discounts available. Contact Exchange Bank at (800) 397-3962 for a treasury services quote.
Streamline Payroll and Vendor Payments with Exchange Bank ACH
Writing checks for payroll is slow and creates unnecessary fraud exposure. ACH origination through Exchange Bank lets you upload a payroll file from your accounting software — QuickBooks, ADP, Gusto, or a custom export — and schedule the batch for next-day or same-day settlement. The same system handles vendor payments, eliminating paper checks for recurring suppliers.
Same-day ACH is available for credits submitted before the 2:30 PM ET cutoff, making it possible to fund emergency payroll runs or accelerate time-sensitive vendor payments without resorting to a wire. Standard ACH costs a fraction of wire fees and is sufficient for the vast majority of business payment scenarios.
- Standard ACH: 1-2 business day settlement
- Same-day ACH: available for credits submitted before 2:30 PM ET
- Compatible with QuickBooks, ADP, and most payroll platforms
- Batch upload or individual transaction entry
- Full transaction history available in online banking
Positive Pay — Stop Check Fraud Before It Costs You
Check fraud is the most common form of business banking fraud and among the most costly. A counterfeited check or an altered payee name can result in funds leaving your account before you notice anything is wrong. Positive pay closes that window entirely.
Each time you issue checks, your accounting software or accounts payable team uploads the check register to Exchange Bank's online banking platform. When a check arrives at the bank for payment, the system compares the presented item against your register. If the check number, dollar amount, or payee name does not match, the item is flagged as an exception. You then log in — from any device — and decide whether to pay or return the item. The entire exception-review process typically takes under five minutes.
- Catches altered check amounts and payee names
- Catches duplicate check presentment
- Exception decisions made through online banking on any device
- Daily exception email notifications available
- Payee positive pay available on Commercial tier
FAQ
Exchange Bank Treasury Management — Common Questions
What business owners and CFOs ask before enrolling in treasury services.
What is treasury management and does my business need it?
Treasury management is a suite of banking services designed to help businesses control, accelerate, and protect their cash flows. It includes tools like ACH payments, automated sweeps, positive pay fraud detection, and remote deposit capture. Most businesses with more than $500,000 in annual revenue or significant payroll and vendor payment activity benefit from at least some treasury management services. Exchange Bank treasury services are available to Business Advantage and Commercial checking customers.
How does positive pay prevent check fraud at Exchange Bank?
Positive pay works by matching checks presented for payment against a list of checks your business issued. Each time you write checks, you upload the check register — payee name, amount, and check number — to Exchange Bank's online banking platform. When a check arrives for payment, the bank compares it against your register. Any discrepancy triggers a pay-or-return decision that you make before the check clears. This stops altered checks and counterfeits before funds leave your account.
How long does an ACH origination take to settle at Exchange Bank?
Standard ACH transactions originated through Exchange Bank settle in one to two business days. Same-day ACH is available for credits submitted before the cutoff time, typically 2:30 PM ET. Payroll ACH files submitted two business days before payday ensure funds are available to employees on the scheduled pay date. Weekend and holiday schedules follow the Federal Reserve's ACH operating calendar.
What are the remote deposit capture limits at Exchange Bank?
Exchange Bank sets remote deposit capture limits based on the business account tier and deposit history. Standard limits begin at $25,000 per day and $100,000 per month. Businesses with established deposit patterns may request higher limits through their relationship manager. Items deposited via remote capture are subject to the bank's standard funds availability schedule. Large items may be subject to a one-business-day hold.
Which businesses qualify for Exchange Bank treasury management services?
Exchange Bank treasury management services are available to any business holding a Business Advantage or Commercial Checking account. There is no minimum revenue requirement, though some services — such as ACH origination with high daily limits or lockbox — may require a credit review or additional documentation. Call (800) 397-3962 to speak with a treasury specialist about your business's specific needs.
Related Services
Build Your Complete Exchange Bank Business Banking Stack
Treasury management works best when paired with the right checking and savings foundation.
Business Checking
Your treasury services hub — Business Advantage and Commercial tiers unlock the full treasury suite.
View Checking →Business Savings
Sweep idle checking balances into a money market account overnight to earn competitive interest.
View Savings →Business Loans
Lines of credit to smooth cash flow gaps between receivables and payables cycles.
See Loan Options →Merchant Services
Accelerate receivables with next-day card payment funding into your Exchange Bank checking account.
Payment Processing →Get Control of Your Business Cash Flow with Exchange Bank
Speak with an Exchange Bank treasury specialist to identify which services match your business volume and risk profile. Call (800) 397-3962. FDIC insured. NMLS #480228. Equal Housing Lender.