Treasury Management

Receivables Solutions

Make collecting your
receivables a breeze.

TBK Bank offers a wide array of Treasury Management products to help collect payments faster so you can maximize working capital.

Automated Clearing House (ACH) Debit 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 method of managing receivables and is most often used for:

  • Collection of receipts
  • Direct debits for memberships, dues, and authorized vendor collections
  • Non-immediate transfer of funds between accounts at other financial institutions

TBK Bank’s delivery module within Commercial Center provides secure file transfer and self-guided mapping tools to support ERP and Treasury workstation integration with:

  • Unattended file delivery
  • File scheduling 
  • Straight-through processing
  • Automated transaction confirmations
  • Dual approvals
  • Your own company’s compatible FTP solution

Same-Day ACH Debit Origination

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

  • Transactions must be < $25,000
  • Domestic ACH only (International ACH ineligible)

Available through Commercial Center only.

Remote Deposit Capture

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Remote Deposit Capture enables your company to capture images of checks and electronically submit a deposit to the bank. With our quick and easy-to-use interface, you’ll reduce the cost and risk associated with manual deposit deliveries. 

  • Improve cash flow with faster deposits
  • Reduce risk and cost associated with delivery of deposits to the bank
  • Extend banking hours for same-day credit of deposits to 6:00 pm CST
  • Control security with segregation of duties and dual authorization
  • Safeguard against unbalanced file transmission with Control Totals 

Scanner Installation Requirements:

  • PC and broadband internet connection
  • 128 bit encryption

Additional service Information:

  • Accommodates multiple business locations
  • Accepts deposits 24/7.  Deposits received after 6:00 pm CST will be counted as a next day deposit.
  • Requires a secure check storage process for deposited items

Lockbox Processing

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Minimize mail and processing float and collect checks faster.

No fuss. No mess.  Just efficient.

With TBK Bank’s Wholesale Lockbox services, your clients can mail remittances to a specially designated post office box address. Your checks and remittances are retrieved, sorted and imaged. Checks are then electronically deposited into your designated business account.

  • Perfect for business-to-business payments

Retail Lockbox is perfect for high volume, low value deposit items such as consumer utility bills or loan payments. Retail Lockbox deposits are often accompanied by a coupon with account and billing information included. With Retail Lockbox:

  • Get online access to deposit history, check images and correspondence
  • Minimize labor costs
  • Retrieve customizable report formats
  • Access online exception processing
  • Receive enhanced search and sort capabilities
  • Post files for your accounting system (upon request)
  • Password protect your archives 

Additional services and reporting available for HOA and Medical industries.

TBK Business Mobile and Mobile Deposit

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TBK Business Mobile provides access to Commercial Center and Small Business Center through a mobile device.  Check images are captured and converted to digital form and electronically transmitted for credit to the designated business account.  

  • Requires Commercial Center or Small Business Center access
  • Login credentials are identical to your desktop access
  • Accepts deposits 24/7
  • Download the TBK Bank Business Mobile app
  • Deposit until 6:00 pm CST for same-day credit

Merchant Services

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Accepting all major credit cards is essential for a modern business. Merchant Services with TBK Bank allows you to process payments over the web, in store, by mobile, by mail, or by phone. From traditional countertop terminals  to mobile/smart terminals and more, we offer a range of solutions to fit your needs.

Streamline your receivables management and offer a safe secure method for your clients to pay you faster.

  • PCI Compliant
  • EMV Chip Compliant
  • Secure Payments with Tokenization
  • Dynamic and Multi-currency conversion
  • 12 months of history available online
  • Consolidated statements
  • Efficient and cost effective!

Contact us at 563-441-3585 to get started!

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