Treasury Management

Today's Treasury Management is no longer just about making sure there's more money coming in than going out.

As Alliance Bank of Arizona clients know, there are many treasury management strategies that savvy businesses can use to improve cash flow while minimizing fees and interest paid. These clients also understand the importance of optimizing cash balances and interest earned. Smart treasury management can help you get ahead of the game.

At Alliance Bank of Arizona, we have a highly experienced team of treasury management professionals who will work with you to determine the best strategies for your business. Our experienced bankers can analyze your account activity and balances to recommend an optimum balance for offsetting your expenses. Should we discover that you have excess funds, we can work with you to determine how to maximize those funds by investing in competitive CDs, money market accounts or paying down loans. We offer tools to help you efficiently collect receivables, manage payables, monitor account activity and maximize investments. Let us help make your cash work harder for you.

The following products and services represent a selection of treasury management tools we offer. To learn more about these tools and putting them to work for you, speak with an Alliance Bank of Arizona Treasury Management professional today.

e-Deposit

With e-Deposit, clients are able to deposit checks directly from their computer or desktop. Images of checks are scanned and sent electronically to Alliance Bank for credit to their business account. Alliance Bank then converts the images to an electronic file, or substitute check, for clearing at the payor's bank.

Benefits to Your Business

Extended deposit deadlines
View reports electronically
No need to visit the bank or use a courier

Automated Clearing House (ACH)* Services

ACH processing allows your company to take advantage of the speed, accuracy and efficiency of electronic payments and collections:

ACH Credit

Electronically disburse payments to consumer and corporate customers and suppliers
Electronic tax payments
ACH Payroll Direct Deposit
Electronically credit an employees' checking or savings account
Use for expense reimbursements, bonuses, pension and other employee payments

ACH Debit

Collect payments electronically from consumer and corporate accounts.
Streamline remittance processing, provide more accurate and timely collection of payments

ACH benefits to your business:

Reduces the costs of processing, storing and reconciling manual checks
Reduces payroll costs and employee time - employees receive credit to account automatically, no time spent at the bank depositing checks
Less exposure to check fraud - no lost or stolen checks, reduces the need to place stop payments or reissue checks
Improves cash flow and forecasting by collecting payments more quickly
Provides audit trail of payments

*Requires additional credit approval

Accounts Reconciliation

Alliance Bank account reconcilement service gives you an automated way to balance corporate accounts on a daily, weekly or monthly basis. We offer full or partial reconcilement services that may be customized to meet your individual needs and work with your specific accounting system.

Full reconcilement

Company submits a check issued listing file. This information is compared against the captured check paid information. Next, reports are generated, including an outstanding checklist. A detailed report includes all checks issued, paid and outstanding during the reconcilement period.

Partial reconcilement

You receive a detailed list showing all checks paid during the reconcilement period. Items are identified by check number, amount and paid date. This information is generated automatically, requiring no input from you.

Courier Service

Not enough hours in the day? Utilize our in-house courier service to help manage both your time and your cash flow. Couriers are available on call or on a regular schedule to assist you in getting your deposits to the bank in a timely manner.

Positive Pay

This service can be used to help monitor potential fraudulent activity. Clients send an electronic file of checks issued. Alliance Bank matches this list against items being cleared, and pays only verified checks. This service also allows for every daily monitoring of items paid, to assist in daily cash flow position.

Account Reconciliation Benefits to your business:

Saves time and money spent manually balancing accounts
Improves control over disbursements
Improves audit control by documenting, tracking and verifying disbursements

Zero Balance (ZBA)

With Alliance Bank's Zero Balance Account, incoming deposits are immediately moved to the concentration account you designate. For outgoing disbursements, via paper or electronic, funds needed will be pulled from the account you've designated.

Zero Account Balance benefits to your business

No need to manually transfer funds between accounts to cover cash flow requirements
Reduces idle balances by consolidating deposits to a concentration account you designate
Reduces risk of overdraft by automatic transfers from concentration account to disbursement accounts

Image Lockbox

Alliance Bank's Lockbox Service provides you with a post office box for payments sent to your company. We retrieve, process and deposit funds daily so there's no delay in getting money into your account. All deposits are imaged, so that they're available for viewing via the web on the same day. If preferred, information can be gathered from check and remittance coupons and formatted in a data file. You can review deposit reports, on CD, to see who and what has been paid.

Lockbox benefits to your business:

Speeds the collection of your business's receivables
Reduces the cost of in-house receivables processing, and improves your company's cash flow
Provides same day reporting and remittance information (you can view and record payments made)
Record keeping provides outside audit controls
Eliminates need to prepare deposits and take to the bank

Corporate Online Treasury Management

With online access to your accounts 24/7, this high performance online service helps make treasury management more convenient than ever. Corporate Online Treasury Management lets you make real-time online inquiries and get up-to- date information right away, so that you can monitor your cash position and account activity.

Basic Service:

View activity, balances, history and search for transactions
Stop payments
View statements
Transfer funds between your Alliance Bank accounts
Check images - view front and back of paid checks

Enhanced Service:

See what's happening to your account today by viewing the current business day tab
Originate ACH files manually using provided templates or import a NACHA-compliant file
ACH classes supported include PPD, CCD, TX P, PPD+ and CCD+ addenda formats
Originate tax payments via the ACH network
View Positive Pay exception images and make payment decisions online
Initiate domestic and foreign wire transfers online

The services described below are not FDIC insured, not bank guaranteed, and may lose value.

Corporate Investment Sweep Service

As part of its Treasury Management suite of products and services, Alliance Bank of Arizona offers a complete array of overnight Corporate Investment Sweep options. This service is intended as a secondary investment vehicle for the transactional dollars flowing through a corporation's operating accounts. The process is completely automated and requires no monitoring by you. For a nominal monthly fee, available funds are swept nightly into either a Alliance Bank of Arizona repurchase agreement or selected mutual funds offered by Federated Funds.

Product Benefits

Our Corporate Investment Sweep Service provides you the opportunity to earn interest on your checking account balances. Featuring competitive rates, Corporate Sweep offers a daily investment tool that requires no monitoring on your part! Every dollar that is qualified for investment is captured. Interest is paid at each month end.

How It Works

At the end of each business day, the Bank will post the daily activity for deposits, checks and other account activity affecting your account balance. Once these items have posted to the account, the system will determine if additional funds are required to pay checks or other debits and will draw those funds from the investment, or recognize that there are excess funds available for investing. These invested funds are made available each day to fund check activity flowing through the disbursement account. The process is repeated each night at the close of business. The daily activity will be reflected on your account and investment statements.

Investment Options

Alliance Bank of Arizona Repurchase Agreements — Our Repurchase Agreements are backed by AAA-rated agencies such as Fannie Mae and Freddie Mac. Interest is accrued and paid into the REPO account. You receive a daily repurchase advice by e-mail as notification of your sweep transactions.

Mutual Funds — Alliance Bank of Arizona provides a full menu of mutual fund types offered through Federated Funds. Fund types include municipal, treasury, government obligations, prime cash obligations and tax-free. A prospectus on each fund type is available at the time of selection.

These services are:

Not FDIC insured
Not bank guaranteed
May lose value