Treasury Management

RECEIVABLE SOLUTIONS

Cash flow is critical, so let’s take the guesswork out of how and when you get paid.

Save Time and Money

ACH Origination

ACH eliminates the administrative time and expense normally associated with processing paper-based receivables, manual transfers or wire transfers.

Am I a Good Candidate for ACH Cash Concentration or Debit Origination?

  • Does your company have multiple accounts for each of your locations?
  • Does your company have accounts at various financial institutions?
  • Do you constantly have to write checks off of one location’s bank to deposit into another’s bank?
  • Would you like the ability to receive payments from your customers, automatically and at your initiation?
  • Are you tired of trying to estimate when your clients will pay you?

If you answered “yes” to any of these questions, you could be a good candidate for ACH Cash Concentration and Debit Origination.

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EXPANDED PAYMENT OPTIONS FOR YOUR CUSTOMERS

Merchant Services

Offering your customers easy and convenient payment options can increase your revenue. Bank of Tennessee can provide your business with dedicated support and easy-to-use equipment to process credit and debit card transactions.

Am I A Good Candidate for Merchant Services?

  • Do you have customers who wish to use debit or credit cards for services?
  • Do you want an efficient way to accelerate funds availability and reduce the costs associated with check processing?
  • Do you need to the ability to collect payment via credit cards and have mobility while doing so?
  • Do want to be able to offer your customers the ability to pay with a debt or credit card on-line, directly at your website?

If you answered “yes” to any of these questions, you could be a good candidate for Merchant Services.

Credit Card Processing is available for your business!

  • Retail
  • New Businesses
  • Home Based
  • Mail Order, Phone order, and Online

We provide everything you need.

  • Equipment and Processing Services
  • All equipment is warranted
  • Transactions processed and credited electronically to your bank within 2 days
  • Low monthly fee
  • Reprogramming packages available
  • Customer Service – 24 hours a day

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BRINGING THE BANK TO YOU

Remote Deposit Capture

This time saving service allows you to scan checks your company receives and transmit them securely to the bank for deposit in to your account the same day without ever leaving your office. This not only saves you time, but it also provides your company with better deposit availability and reduces transportation cost and risk.

Am I a good candidate for Remote Deposit Capture?

  • Do you desire the convenience of making deposits from your office?
  • Does your business have multiple locations receiving payments via check?
  • Do you make photocopies of checks received?
  • Are you concerned about separating the posting and depositing functions within your organization?

If you answered “yes” to any of these questions, you could be a good candidate for Remote Deposit Capture.

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STREAMLINING REMITTANCE PROCESSING

Wholesale Lockbox

Expedite check-clearing funds for your company to use sooner. Your customers mail remittance to a post office box addressed to your company. Bank of Tennessee retrieves the Lockbox mail, processes payments and deposits funds to your company’s account the same business day.

Am I a Good Candidate for a Wholesale Lockbox?

  • Does your company receive payments via the mail?
  • Do you have someone on staff that is responsible for going to the Post Office to collect payments received?
  • Are you spending too much time preparing checks for deposit at your bank?
  • Do you send someone to the bank daily to make deposits, or do you “hold” several days’ worth of payments so that you only have to make one trip to the bank?
  • Do you make photocopies of checks and other remittance materials received?
  • Are you concerned about separating the posting and depositing functions within your organization?

If you answered “yes” to any of these questions, you could be a good candidate for Wholesale Lockbox.

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SIMPLIFY AND MAINTAIN CONTROL

Zero Balance Account

This time saving service allows you to scan checks your company receives and transmit them securely to the bank for deposit in to your account the same day without ever leaving your office. This not only saves you time, but it also provides your company with better deposit availability and reduces transportation cost and risk.

Am I a good candidate for Remote Deposit Capture?

  • Do you desire the convenience of making deposits from your office?
  • Does your business have multiple locations receiving payments via check?
  • Do you make photocopies of checks received?
  • Are you concerned about separating the posting and depositing functions within your organization?

If you answered “yes” to any of these questions, you could be a good candidate for Remote Deposit Capture.

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STREAMLINING REMITTANCE PROCESSING

Have Questions?

We’ll help you determine if Treasury Services will help your business grow. Contact your Relationship Manager or Customer Care at 866.378.9500. You can also request more information by clicking below.

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