Business Treasury Management Services

Paperwork, graphs and a laptop
You'll have the advantage of a wide range of personal and electronic services to allow your business to achieve efficient and cost effective management of working capital.  Our Treasury Management Consultants work closely with business clients to customize our electronic banking services to meet your specific deposit and payment transaction needs.   


Some additional information about our electronic services:
ACH Origination 
An ACH transaction is a scheduled transaction that the Bank processes through the Federal Reserve's Automated Clearing House. ACH Origination allows businesses to create one-time and recurring transactions such as direct deposit of payroll credits for employees and direct payments to clients or collections from vendors. Our Online system also the user to create one-time or batch templates or upload an ACH formatted file using their software. 
ACH origination services include the following: 
  • Direct Deposit of Payroll
  • Pre-Authorized Debits
  • Corporate Payments
  • Cash Concentration
  • Federal & State Tax Payments (EFTPS)

Electronic Data Interchange (EDI)
Bank of the Pacific offers an automated delivery of EDI notices with addenda information to assist you in posting electronic transactions to your software. We can provide the EDI notice in a computer text format for uploading to your computer system, a human readable summary report or a human readable detail report. We will assist you in determining which report will best suit your company’s needs.


Positive Pay - Protection Against Fraud 
Check Positive Pay - The Positive Pay Service can be used to identify fraudulent checks attempting to clear an account. With this service clients submit issued check data to us through Online Business Banking. We compare the checks presented for payment to the information provided about the checks issued. When a check is presented that is not included in or does not match the issued check information, we electronically notify the client and they make a pay or return decision via Business Online Banking by a designated time. 
ACH Positive Pay - The ACH Positive Pay service can be used to identify fraudulent ACH transactions attempting to clear an account. With this service a client can either block all ACH Transactions or provide a list of authorized ACH Companies. The Bank compares the ACH transactions for payment to the information the client has provided about the ACH transaction they have authorized. When an ACH is presented that is not included in or does not match the authorized companies, the client will receive an electronic notification and must make a pay or return decision via Business Online Banking by a designated time.
Remote Capture:

Remote Check Deposit (RCD) - allows Bank of the Pacific's business clients to use a desktop scanner to capture images of checks and transmit a check image file (along with a virtual deposit ticket) to the bank for deposit to their account.

Zero Balance Sweep - creates an effective method for eliminating manual transfers and pooling available funds in a single concentration account.
Target Balance Sweep - When your checking account reaches an established target collected balance, the excess funds are automatically swept on a daily basis out of your checking account to a designated account.
Automated Loan Sweep - Minimize unnecessary borrowings, overdraft, or uncollected funds usage with Bank of the Pacific's automated Loan Sweep.  Our sweep initiates transfers between your line of credit and checking account based on the ending collected balance in your checking account.
Wire Transfers 
Allows users to transfer funds between accounts at different financial institutions using Fedwire format. Bank of the Pacific offers electronic notification of all incoming and outgoing wires.
For more information about business treasury management services, please contact your local branch office to make an appointment with a Treasury Management Consultant.