Treasury Management

Payables Solutions

Our electronic payables solutions use advanced technology to give you the control you need to make your payments when and how you choose.

Whether you are looking to automate your payables processes with electronic file transfer or prefer a comprehensive web user interface for hands-on interaction – or something in between – we can help.​ Payable Solutions are available in Commercial Center and Small Business Center.

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Automated Clearing House (ACH) Payment Origination

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Significantly improve control of your business’ cash, funds availability, transaction reconciliation and cash forecasting with same-day or next-day ACH origination. ACH is a reliable and cost effective funds transfer method and is most often used for:

  • Business-to-business payments
  • Direct deposit for payroll
  • Federal, state, and local tax payments
  • Transfer of funds between accounts at other financial institutions

 

ACH File Formats:

  • Nacha Standard
  • ISO20022
  • EDI820
  • ACH File Mapping also available

 

ACH Reporting:

  • ACH Return Item Report
  • ACH Notice of Change Report
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Same Day ACH Origination

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Same-day ACH can be used for those times when funds must be there today. To process a same-day transaction, your ACH file must be submitted prior to 10:00 am CST. There are additional eligibility requirements for same-day transactions, including:

  • Transactions must be < $100,000
  • Domestic ACH only (International ACH ineligible)

Must have access through Commercial Center or Small Business Center.

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Wire Transfers

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When time is of the essence, TBK Bank’s Commercial Center and Small Business Center services are here for you. Move money from one institution to another, across town or across the world.

Wire transfer origination through our secure online platforms is efficient and safe. No more trips to the bank or paper forms to submit. TBK Bank’s wire transfer origination offers immediate transfer of funds and guaranteed settlement.

Commercial Center offers:

  • Domestic wire origination
  • International wire origination (USD)
  • Foreign Currency wire origination

 

Small Business Center offers:

  • Domestic wire origination

 

Wire Transfer File Formats:

  • Fedwire Standard
  • ISO20022
  • EDI820
  • Wire Transfer File Mapping available

 

Wire Transfer Reporting Options:

  • Fedwire Standard Acknowledgements
  • Fedwire Standard Confirmations
  • ISO20022 Acknowledgements
  • ISO20022 Confirmations
  • Wire Detail Report
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TBK Payables

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TBK Payables is a complete payables automation solution.  Utilizing API technology, TBK Payables provides bi-directional integration with your accounting system or ERP.  Payments are made directly from your TBK Bank Commercial Checking account for ease in reconciliation.

With TBK Payables you can:

Receive Invoices

Invoices are received in one of the following ways:

  • Emailed from the vendor to a unique email address
  • Uploaded from a computer
  • Entered manually
  • Synced from your Accounting System or ERP

 

Authorize Invoices and Payments

Invoices can be sent to an invoice approver prior to the payment approver.

  • Thresholds and workflows can be established for each User
  • Dual approvals can be set based on vendor or amount
  • Once the payment is approved it is sent and will not require additional actions by the company

 

Execute Payments

Once payments are authorized, TBK Bank executes them on your behalf.  Additionally, electronic remittance details are emailed to the vendor.

Payments can be made by:

  • Check – Checks are issued directly from your bank account and will include your authorized signature
  • ACH – ACH transactions are sent separately for ease in reconciliation
  • SilverPay – SilverPay is a Virtual Card. Payments processed by virtual card are eligible for rebates
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Purchasing Card

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One Card is ideal for businesses needing maximum control over expenses. Manage travel and entertainment expenses, business purchases, utilities, fleet transactions and more. The program includes a log in to a secure online portal with real time access to your card information.

  • Worldwide acceptance
  • Manage cardholder limits and purchases
  • Maintain spending controls in real-time
  • Protect against card misuse
  • Advanced administrative tools and reporting
  • Flexible billing options
  • Tax and compliance management support
  • Import transaction detail for simplified reconciliation with your accounting or Treasury Workstation

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