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Treasury Management & Depository Services

Treasury Management & Depository Services

At Central Bank & Trust, our goal is to create custom Treasury Management service solutions in banks to streamline daily cash flow and optimize working capital. Our team of local experts delivers sophisticated Treasury Management & depository services customized around the unique needs of your business.

Get convenient services to help your business flourish.

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Receivables Management

Accelerate and consolidate receivables, reduce collection times, and accommodate the payment preferences of your customers.

Online Banking

Access our online platform to help you manage your accounts in the office or on the road.

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Liquidity & Investments

Invest excess liquidity or pay down debt with real-time cash position data and resources tailored specifically to your business.

Fraud Protection

A strategic approach to help safeguard information, minimize risk and the potential cost of fraudulent or unauthorized transactions.

Commercial Accounts

Depository accounts for managing daily operations, paying down debt and funding investments via treasury management services in banks.

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Payables Management

Streamline and automate your payables processes while increasing visibility into your daily cash position.

Credit Card Services

Whether you need a card for business or personal use, Central Bank & Trust has you covered.

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Merchant Services

From countertop terminals to online payment portals, we provide a wide variety of services for collecting credit & debit card payments.

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Nonprofit Banking Services

A suite of services created to help maintain and manage your organizations unique banking needs.

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Ready to get started?

Whether you still have questions, or know exactly what you're looking for, our Treasury Management services team is here to help. Connect with us today to get started or click on the link below to download our Business Profile Worksheet.

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Which account is best for me?

Our goal is to offer you and your business the treasury management services in banks that make a difference in your financial picture. The chart below details the benefits and requirements of each account type.

  • Accounts
    & Features
  • Minimum
    balance to
    open
  • Minimum
    daily
    collected
    balance
  • Monthly
    Service Fee

    (If balance falls below minimum)
  • Account Features

    (Could be subject to approval)
  • Other
    Monthly
    Features
  • Excessive
    Activity Fees
  • Commercial
    Checking
  • $100
  • N/A
  • $10
    Minimum balance to
    avoid service charge
    does not apply.
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • N/A

    Note: wire transfers
    have additional fees,
    please see your banker
    for details.
  • N/A
  • Non-profit Checking
  • $100
  • N/A
  • N/A
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • Unlimited check writing
  • N/A
  • Interest
    Commercial Checking
  • $500
  • $500
  • $11
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 75 free debit items

    12 free credit items

    50 free deposited items

    25 free ACH debits

    12 free ACH credits
  • $.30/debit over 75 items

    $.25/credit over 12 items

    $.15/item deposited over 50 items

    $.30/ACH debit over 25 items

    $.25/ACH credit over 12 items
  • Investment
    Money Market
  • $1,000
  • $5,000**
  • $11
  • Free debit card

    Free online banking

    Free telephone banking

    Free mobile banking

    Free online bill pay
  • 6 free debit items
  • $10/debit over 6 items
  • Commercial
    Savings
  • $100
  • $100
  • $6
  • Free telephone banking

    Free mobile banking

    Free online banking
  • 6 free debit items
  • $1.50/debit over 6 items

*Minimum daily collected balance to obtain APY.