Treasury Management

Treasury Management Solutions

You put your customers first, and so do we.

At Heritage Bank & Trust, we understand that running a business comes with financial responsibilities. Our Treasury Management solutions simplify those processes from paying employees or vendors, receiving payments, depositing checks to managing fraud.

Account Management SolutionsFraud Management Solutions Sweep Services Contact Us

Account Management Solutions

Keep your business moving forward

We offer reliable and secure payment solutions to make your accounts payable processes more efficient and manageable.

Home Loans	Accounts Payable
ACH Origination*	Enables businesses to initiate electronic payments to pay vendors, employees, and other expenses. This method eliminates the need for paper checks, making it a more efficient and cost-effective payment solution.
BUsiness CREDIT Cards**	Earn company rewards and increase purchasing power and flexibility with a Heritage Bank & Trust Company Rewards Charge Card Visa^®.
WIRE TRANSFERS	Originate wire transfers online for increased efficiency and convenience.

Home Loans	Accounts RECEIVABLE
ACH Origintation*	Collecting payments electronically allows funds to be received faster and provides more accurate forecasting of business cash flow.
REMOTE DEPOSIT CAPTURE*	Deposit checks faster from the office to save time and have quicker access to funds.
MERCHANT CARD SERVICES***	Heritage Bank & Trust partners with BancCard to offer the best options for credit and debit card processing.

Fraud Management Solutions

Defend Your Growing Business

Life is easier when you have the tools to monitor potential fraud activity. You work hard to keep your business growing. Let us work hard to help keep it safe.

Fraud Management Solutions

ACH Positive Pay	Combat fraud associated with incoming electronic debits and/or credits to the business checking account. By creating a block list, you can control the account activity to avoid fraudulent or unauthorized transactions..
CHECK Positive Pay	Protect against check fraud and strengthen internal controls by comparing checks presented against checks issued by verifying check numbers and dollar amounts then reporting discrepancies through business online banking.

Watch video tutorials with step-by-step instructions on Positive Pay.

Sweep Services

Put idle money to work for your business

With our automated sweep transfers, help your business maintain account balances, avoid overdrafts and ensure your accounts are appropriately funded.

	SWEEP Services
BUSINESS SWEEP	Automated sweep transfer options allows your business to earn on excess funds, maintain account balances, avoid overdrafts and ensure accounts are appropriately funded.

Contact Us

We work directly with each business individually to ensure all your business banking needs are met.

Felicia Brown

SVP, Treasury Management Officer

(931) 375-0263
fbrown@heritagebankandtrust.com

>> Download a printable file with full details.

*ACH Origination and Remote Deposit Capture are subject to underwriting guidelines.

**Business Credit Cards are issued by TCM Bank, N.A. and applications are subject to underwriting guidelines.

***Merchant Card Services are issued by BancCard and applications are subject to underwriting guidelines.