Treasury Management
Running a business comes with financial responsibilities, from payroll to paying vendors, depositing checks to managing fraud. Simplify it all with treasury management services from Heritage Bank & Trust.
Account Management Solutions – Payable
Expedite day-to-day business management with reliable and secure payment solutions.
ACH Origination*
- Initiate electronic payments to vendors, employees and for other expenses
- Eliminate the need for paper checks and discover a more efficient and cost-effective payment solution
Business Credit Cards**
- Carry a Heritage Bank & Trust Business Rewards Visa® Credit Card in your wallet
- Earn company rewards and increase purchasing power and flexibility
Wire Transfers
- Originate wire transfers online for increased efficiency and convenience
Business Sweep
- Utilize automated sweep transfer options
- Earn on excess funds, maintain account balances, avoid overdrafts and ensure accounts are appropriately funded
*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.
Account Management Solutions – Receivable
Get paid faster with reliable and secure treasury management solutions.
ACH Origination*
- Collect payments electronically for faster access to your funds
- Rely on more accurate forecasting of business cash flow
Remote Deposit Capture*
- Deposit checks faster from the office to save time and enjoy quicker access to funds
Merchant Card Services**
- Get the best options for credit and debit card processing, courtesy of Heritage Bank & Trust's partnership with BancCard
*ACH Origination and Remote Deposit Capture are subject to underwriting guidelines.
**Merchant Card Services are issued by BancCard and applications are subject to underwriting guidelines.
Fraud Management Solutions
Defend your business against check and debit fraud with our treasury management team at your side and these services at your fingertips.
ACH Positive Pay
- Combat fraud associated with incoming electronic debits and/or credits to the business checking account
- Create a block list to control account activity and avoid fraudulent or unauthorized transactions
Check Positive Pay
- Protect against check fraud and strengthen internal controls
- Compare checks presented against checks issued by verifying check numbers and dollar amounts
- Report discrepancies through business online banking
View video tutorials for step-by-step instructions on Positive Pay.
Merchant Credit Card Services - BancCard*
Make your business more customer-friendly by accepting major credit card payments. Talk with a Heritage Bank & Trust Treasury Management Specialist for help establishing what your business needs.
- Accepts Visa,® MasterCard,® Discover® and American Express
- Clock-in/clock-out
- Check verification and conversion
- Gift cards
- Online processing
*Merchant Card Services are issued by BancCard and applications are subject to underwriting guidelines.
Business Sweep
Avoid overdrafts, keep your accounts properly funded and put idle money to work for your business with automated sweep transfers.
- Earn on excess funds
- Maintain account balances
- Avoid overdrafts
- Ensure accounts are appropriately funded
Contact Us
Partner with the Heritage Bank & Trust Treasury Management team to create tailored solutions that meet all your business banking needs.
Felicia Brown
SVP, Treasury Management Officer
(931) 375-0263
fbrown@heritagebankandtrust.com
Online Banking
Keep Heritage Bank & Trust at your fingertips to transfer funds, pay bills, deposit checks and more – anytime, anywhere.
Fraud Resources
American consumers reported $10 billion in fraud losses to the FTC in 2023. Learn how to protect yourself.
Heritage Hub
Catch up on the southern Middle Tennessee community news and the latest personal and business finance tips.
(931) 388-1970
Blog
Find a Branch
