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Treasury Management & Depository Services

Treasury Management & Depository Services

At Central Bank & Trust, our goal is to optimize your business’s working capital — and we have the tools to do it. Our team of local experts delivers sophisticated and convenient integrated treasury management & depository services designed around your business needs.

Get convenient services to help your business flourish.

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Treasury Services

Funds Transfer Service

Funds Transfer Service provides you with the freedom to move your money when you need. This account attaches to your checking account and allows you to sweep uninvested cash into an investment fund.

ACH Services
Electronic Funds Transfer System

This system increases control and efficiency of cash flow by reducing float time. Electronic funds transfer is an efficient method for dispersing payroll and pre-authorizing payments.

Direct Deposit

Direct deposit provides the benefit of convenience and security for your employees and other companies during business exchanges. Direct deposit is used for payments of interest, annuities, pensions, stocks, and payroll.

Full Service Banking

Large national banks aren’t the only institutions able to provide full spectrum services for your business — and they certainly can’t compete with our commitment to the individuals in the local community. Find out how our lending services provide you with a range of financing and services to meet your needs.

Depository Services

Depository Services

We offer a variety of commercial banking products for every business type including nonprofit. Compare account types to discover which product is right for your business.

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Remote Deposit Capture

Gain convenience for your business

Central Bank & Trust’s Remote Deposit Capture is the most convenient, cost-effective way to accept and deposit checks. Using your personal computer, an internet connection, and a check-scanning device purchased through by Central Bank & Trust, you can electronically deposit checks from all of your locations into a single settlement account without having to leave your place of business. Deposits made by 4:00 p.m. MST will be credited to your account on the same day.

  • Gain access to 24/7 deposit capabilities
  • Reduce expensive courier costs
  • Consolidate remote deposits into a single account

How does Remote Deposit Capture work?

With Remote Deposit Capture, you scan your checks for deposit to be submitted online to Central Bank & Trust. During the deposit process, the scanner captures front and back images of the checks, as well as the MICR (Magnetic Ink Character Recognition) information located at the bottom of each check. Once all of your checks are scanned and the deposit is balanced, the check images are transmitted electronically through a secure system for processing.

Central Bank & Trust provides access to a check-scanning device and  web-based software for each of your business locations. We also offer training for you and your staff to use the system.

To apply for Remote Deposit Capture or for tier and pricing information on our Treasury Management product offerings, please call us at (719) 228-1100.