Treasury Mangement

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Treasury Management


At Banterra, we understand the needs of running a business, whether it is a small business or a large corporation. We know how important it is to manage your cash flow and account balances, and to have up-to-date technology for your business needs.

With Banterra, you’ll have a trusted Treasury Management representative who will partner with your business team, someone that is dedicated to understanding your business and ready to assist you with innovative cash management solutions to meet your needs.

Learn more about our services below or contact Banterra's Treasury Management Team for more information about our services toll free at 1-877-541-2265 Ext. 8488, Ext. 4005 (Indiana) or Ext. 2612 (St. Louis) or by emailing Treasury Management.

Cash Management

Banterra's convenient and cost-effective Online Cash Management Service is designed for companies that need a broad range of electronic banking services. It provides accurate, up-to-date financial information in a secure environment.

Benefits to your company:

  • Access your accounts
  • Transfer funds between accounts
  • Set up multiple end users within your business
  • Free Online Statements
  • Define functionality for end users and control the accounts and services they may access
  • Originate ACH transactions including payroll, vendor payments and accounts receivable
  • Reconcile your accounts
  • Positive Pay for check fraud detection
  • View check images
  • Initiate wire transfers
  • Request stop payments
  • Automatic balance alerts via email

Cash Management Demo

Image Retrieval

How long do you keep those boxes of cancelled checks? Why not eliminate the need to store paper altogether?

Quick and easy access to information is vital in today's business environment. Banterra's Check Images via CD-ROM is a simple, organized check storage and retrieval system. Check images are captured and stored until month-end when a CD-ROM is produced and shipped to you containing your statement and check images.

Benefits to your company:

  • Improve efficiency because of rapid access to disbursement information and check images
  • Reduced space required for storage of cancelled checks and bank statements
  • Advanced search capabilities
  • Store extra CDs off site for disaster recovery purposes or provide them to your accountant
  • Inquire at any Banterra location for more information or Contact Us to receive more information on this service.

Account Reconciliation

With Banterra's Account Reconciliation Service you'll automate and streamline account reconciliation. You provide (upload or input) a list of issued checks which are then compared against daily paid check information. Reconciled items are then listed in an online register where you can search, sort, filter and download items.

Add Positive Pay to Account Reconciliation and help prevent check fraud.

Direct Deposit of Payroll (ACH)

Take the pressure off payday for both your office staff and employees. With direct deposit, your employees' pay is electronically transferred to their bank account on payday. There are no checks to print and reconciliation of payroll account is simplified. Save money by offering direct deposit while providing a benefit to your employees.

You can originate direct deposits of payroll directly from your computer by using our Online Cash Management Service or we support secure file transmission if your software will produce a file in standard NACHA format.

Accounts Payables (ACH)

By using the Automated Clearing House (ACH) to create electronic transfers of funds, you reduce the time and expense of writing, processing and reconciling checks and maintain control of available funds until the moment you need them to cover disbursements. Your company provides us with an electronic ACH disbursement file and items are distributed to receivers automatically and are funded by a single debit to your Banterra account.

Benefits to your company:

  • Increase control by accurately forecasting cash flow - you'll know in advance when disbursements are made
  • Elimination of costs associated with paper-based systems
  • Control fraud

Types of Disbursements

  • Vendor payments
  • Direct deposit
  • Expense reimbursement

You can originate ACH payable transactions directly from your computer by using our Cash Management service.


Wire Transfers

Initiate fund transfers in a quick and secure manner. When you need to transfer funds fast, wire transfers offer the speed of same day settlement for domestic funds transfers and the security of direct, paperless transactions. Banterra's Online Cash Management Service enables you to initiate wire transfers directly from any PC, saving you time and money.

Accounts Receivables (ACH)

Convert your receivables to cash faster by creating electronic transfers from your customers' accounts and have them directly deposited into your account via the Automated Clearing House (ACH).

Benefits to your company:

  • Accelerated collection of receivables - ACH transactions settle faster than checks
  • Save on processing costs - less expensive than checks
  • Reduce errors associated with paper-based transactions
  • Greater security

ACH Debits are a low-cost alternative for the collection of recurring payments such as utility bills, membership dues, rent and donations.

You can originate ACH receivable transactions directly from your computer by using our Cash Management service.

Cash Concentration (ACH)

Are you doing business in more than one location? Banterra can help you manage your company's cash position by collecting funds via the Automated Clearing House (ACH), a lower-cost alternative than wire transfers. With your funds concentrated into one primary operating account at Banterra, you accelerate cash flow and maximize investment opportunities.

Cash Concentration via ACH is available in our Cash Management service.

Remote Deposit

Banterra's Remote Deposit is designed for businesses that want to streamline their deposit process. Remote Deposit converts checks into image-based transactions and then transmits the check images to your account via a secure Internet connection. As part of Banterra's Remote Deposit service, we provide your business with an image scanner. Our specialists install the equipment and software and provide training to your staff.

Benefits to your company:

  • Reduces employee & travel expense for making deposits
  • Research & report capabilities
  • Improves cash flow and funds availability
  • Greater security

Merchant Processing

A Merchant Credit Card system at your business allows your customers to pay for goods or services using their Visa® or MasterCard® (other cards may also be accepted). This alternate payment option can increase sales and is a must in any business environment.

Stop by any Banterra location> or contact us to receive more information on this service.

Electronic Data Interchange (EDI)

EDI is the worldwide business standard for computer-to-computer exchange of business data. The Federal Government, as well as most large corporations, requires EDI capability from their business partners. Banterra's EDI Remittance Service translates data from ACH addenda records into easy-to-read reports. The information provided is the same as normally found in paper remittance advices.

Inquire at any Banterra location or contact us to receive more information on this service.

Positive Pay

Combine Positive Pay with Account Reconciliation and reduce your exposure to check fraud arising from counterfeit or altered checks. If a check presented for payment does not match the information from your issued check file, you will be able to view an online report each morning giving you the opportunity to have Banterra pay or return each exception.

Benefits to your company:

  • Increased fraud protection
  • Control over whether a discrepant check should be paid
  • Convenient reporting

Token Administration

This cash management feature provides an additional layer of security when sending your ACH or wire transactions.

ACH Monitoring

Would you like to control what ACH transactions post to your account? Banterra's ACH Monitoring Service will give you control over ACH activity posting to your account and help decrease the likelihood of fraudulent or erroneous ACH transactions.

ACH Blocking - specify which companies are authorized to post ACH debits and credits to your accounts.

ACH Filtering - review and confirm ACH debit and credit transactions that post to your accounts on a case by case basis.

Zero-Balance Accounts

A zero-balance account (ZBA) allows you to put your dollars to work for you by eliminating excess balances in separate accounts. Banterra's ZBA, a sub-account linked to a single master account, will help you maintain control over multiple disbursement accounts and minimize excess balances. The service automatically transfers funds to or from the master operating account at the end of each business day to offset the net activity in each ZBA sub-account.

Benefits to your company:

  • Funds consolidation is made easier
  • Provides centralized cash control
  • Automates transfers to save you time and money

Insured Cash Sweep (ICS®)

Access multi-million-dollar FDIC insurance on funds placed into demand deposit accounts or money market deposit accounts. When using the ICS* service, deposits are divided into amounts under the standard FDIC insurance maximum and are allocated among Network members. A customer can access FDIC insurance for many institutions while working directly with one bank that you know and trust.

*Placement of your funds through the ICS service or CDARS service is subject to the terms, conditions and disclosures set forth in the agreements you enter into with us, including the applicable Deposit Placement Agreement. Limits apply and customer eligibility criteria may apply. ICS program withdrawals are limited to six per month when using the ICS savings option. ICS and CDARS are registered service marks of Promontory Interfinancial Network, LLC.

Line of Credit Sweep

Would you like to reduce your interest expense automatically? You can minimize outstanding balances on your Line of Credit by sweeping excess collected funds from your checking account. Based on a pre-determined target balance, funds are automatically transferred from your line into your checking account as needed.

Benefits to your company:

  • Reduce interest expense
  • Improve financial control

Inquire at any Banterra location or contact us to receive more information on this service.

Night Deposit

Night Depository is a secure, convenient way to make deposits and payments after normal banking hours. It is one of our most popular services and we'll be glad to make arrangements at a Banterra location convenient to your place of business.

CDARS®

CDARS® is the Certificate of Deposit Account Registry Service®. And it is the easiest, most convenient way to enjoy multi-million-dollar FDIC insurance on CD deposits.

One Bank

Everything is handled through Banterra Bank. Your large deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network. Then, those member banks issue CDs in amounts under the standard FDIC insurance maximum, so that your investment is eligible for FDIC insurance.

One Rate

You earn one rate per maturity on your entire investment - so you can forget about multiple rate negotiations and the need to consolidate multiple disbursement checks.

One Statement

You receive one regular account statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details. With CDARS, there’s no need to manually consolidate statements, track changing collateral values on an ongoing basis, or use private surety bonds.

It's that simple.

When you’re ready to take advantage of CDARS, here’s what happens:

  • You enter into one agreement.
  • You sign one simple CDARS Deposit Placement Agreement with Banterra Bank.
  • You select an interest rate and a maturity.
  • Based on our current CD options, you decide on a rate and a maturity that best matches your investment goals.
  • Funds are deposited.
  • Using CDARS, Banterra Bank will submit your funds for placement at member banks.
  • CDs are issued.
  • Member banks issue CDs in denominations under the FDIC maximum, so your investment is eligible for FDIC insurance coverage.
  • Confirmation is received.
  • You receive written confirmation of your deposits and a listing of all of your CDs.

That’s it! Using CDARS is just that easy.

Contact us to learn more or stop by a Banterra location.

*Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

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Vault Service

Banterra is happy to assist with frequent currency and coin needs that you may have in order to better serve your customers and demands of your business.

Workforce Banking

Banterra can pass on conveniences and savings to your employees when you sign up for Workforce Banking. Benefits include:

  • Free Banterra SmartChoice Checking for 90 days which includes several benefits including identity theft protection and cellular telephone protection; small $5 monthly fee after 90 days
  • Overdraft Protection set-up fee waived ($4.50)
  • First order checks free (Standard)
  • Free Insurance Quotes*
  • Free Financial Checkup
  • Free Safe Deposit Box or Locker for first year; discounted fee after first year
  • Receive $200 discount on mortgage closing costs
  • Receive a .25% discount on personal loans

*Excludes Missouri Residents

Inquire at any Banterra location or contact us to receive more information on this service.