Treasury Management

Payment & Collection Services

Pay vendors safely and collect payments quickly.
Fraud Protection

Protect your business from check or ACH fraud.
Funds Management

Convenient tools to help you manage funds efficiently.

Collections

Accelerate Your Cash Flow

Improve cash flow with products and services designed to help you automate daily deposits and the collection of funds from your customers. Coastal Community Bank offers treasury management collection services that will decrease the amount of time it takes to collect money so you can receive funds quickly and securely. Contact a Treasury Management Officer today to get started.

Treasury Management Collections Services at Coastal Community Bank

ACH Origination - Debits

Accelerate your receivables by collecting payments electronically from corporate and consumer accounts. Typical uses of ACH debits include collection of club dues, lease payments, charitable contributions and other recurring payments.

Remote Deposit Capture

Remote Deposit Capture uses a desktop check scanner that connects to your computer and the Internet. Simply sign-in to online banking, scan, and send your checks to the Bank for processing. Scanned deposits can be made until 7 PM PT each business day for same-day deposit credit.

Wire Transfers - Incoming

Wire transfers involve a direct electronic transfer of money between banks. You can arrange for incoming foreign or domestic wires to credit to your account and receive confirmation via email once the transfer is complete.

Decrease the amount of time it takes to collect payments and improve cash flow.

Improve Cash Flow
Simplify the Payment Process for Customers
Collect Recurring Payments or Donations
Easy Implementation

Payments & Disbursements

Convenient Options for Managing Your Payments

Our comprehensive business payment solutions can automate your accounts payable process and speed up transactions. Streamline your payments process and pay employees, vendors, or shareholders quickly and efficiently with flexible payables solutions from Coastal Community Bank. Contact a Treasury Management Officer today to get started.

Treasury Management Payment Solutions Coastal Community Bank

ACH Origination - Credits

ACH Origination can eliminate check writing for payroll, expense reimbursements and vendor payments. ACH payments help decrease check fraud and reduce costs associated with account reconcilement and check stop payments.

Online Wires - Outgoing

Online outgoing wires allow you to quickly and safely send domestic and international wires from the convenience of your home or office. Online wires are secure and available through our Business Online Banking platform.

Improve payment efficiency and working capital with flexible solutions for managing your payments.

Make Payments Online from Any Location
Deposits are Posted and Processed in a Timely Manner
Process Payroll Faster
Simplify Account Reconciliation
Fewer Checks to Print and Store
Make One-Time or Recurring Payments
Decrease Check Fraud
Less Trips to the Bank

Fraud Protection

Protect Your Cash From Fraud

Running a successful business is hard enough — don’t let fraud make it any harder. Reap the benefits of automatic fraud detection tools from Coastal Community Bank. Protect your business bank accounts from check fraud and unauthorized electronic debits before they happen. Contact a Treasury Management Officer today to get started.

Check Positive Pay

Check Positive Pay is designed to help prevent check fraud by automatically matching check numbers and amounts against an issued-check file you provide to the Bank. We give you the control to decide which checks should be paid via Online Banking helping to protect your business by putting you in control.

ACH Positive Pay

ACH Positive Pay is a fraud prevention tool for electronic debits. You can monitor ACH activity to accept or reject items before they post to your account, assign filters that cap the amount that is paid to any vendor, create rules to authorize future transactions, and even set alerts so that you can decide whether to approve or deny a transaction.

Protect your business bank accounts from costly threats and minimize your exposure to fraud.

Protect Business Bank Accounts from Fraud
Prevent Check Fraud and Unauthorized Electronic Debits
Control Which Transactions Clear
Block Electronic Credits or Debits

Funds Management

Make Your Money Work for You

Put idle cash to work and maximize your earnings. At Coastal Community Bank we put your money to work for you. Automatically sweep idle funds to an interest-bearing account or minimize interest expenses by using excess funds to pay down your line of credit balance. You can also receive an earnings credit on your combined business checking account balances or access multiple accounts from a single pool of funds. Contact a Treasury Management Officer today to learn more.

Funds management solutions Coastal Community Bank

Automated Sweep Account

Begin by setting a target balance in your business checking account. The Bank will “sweep” the checking account and move any funds in excess of the target balance to an interest-bearing account. If the checking account falls below the target balance, we’ll automatically “sweep” funds from the interest bearing account back into your business checking account to the target balance.

Business Credit Sweep

Minimize your interest expense by using excess funds to pay down your line of credit balance. A Business Credit Sweep provides the capability of linking your operating account to your line of credit. Once a target balance is established, excess cash is swept overnight to pay down outstanding line of credit balances.

Zero Balance Accounts

This service provides the capability of funding one or more accounts automatically from the main account. If your business has multiple accounts or multiple locations, a zero balance account (ZBA) allows segregation of funds and eliminates the manual transfer of funds. A typical use of a zero balance account is in connection with a payroll account.

Business Analysis

A business analysis account provides you with a monthly, consolidated statement that summarizes all activity on your business checking accounts, including Treasury Management services. An earnings credit is calculated on your combined business checking account balances to help offset your total service charges.¹

Maximize earnings, minimize idle balances, and reduce interest expense.

Automatically Move Funds to an Interest-Bearing Account
Reduce Interest Expenses
Simplify Reconciliation
Conveniently Access Multiple Accounts from a Single Pool of Funds
Offset Service Charges
Maintain Liquidity

Earnings Credit – The Business Analysis account features an earnings credit that is applied to reduce or eliminate fees. At our discretion, the periodic earnings credit rate may change at any time. Please speak with a Treasury Management Consultant for details on all costs and features. $12 monthly service charge – monthly fee and per-item charges are calculated through account analysis.

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