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Treasury Management

Keep your money working for you.

Effective cash flow management

It’s one of the most critical functions for business success.  That’s why Civista Bank provides a wealth of tools to help better utilize your resources and increase overall business efficiency. 

What’s most important right now?   Expediting payments into your accounts?  Paying down your line of credit?  Consolidating funds from multiple accounts into one with more ease? Our team is here to help you put the right solutions in place for your business.  Let’s talk. 

Meet Our Team

 
 

Learn more about our treasury management solutions

Our treasury management services are designed to help you reduce fraud risk and manage your receivables and payments with greater efficiency.
Save time and money by offering employee direct deposit, submitting electronic tax payments,  expediting electronic vendor payments and making external bank transfers.
Pay down your line of credit with excess funds in your checking account by connecting your commercial line of credit to your checking account for automatic fund transfers. If your checking account balance falls below your target balance, funds will sweep back from the line of credit to bring the balance up to your target.
Get money into your accounts faster by depositing checks electronically with our secure check processing system.  Scan checks from the convenience of your office, reducing time wasted on trips to the bank.
Consolidate multiple checking account balances into one.  This service gives you the flexibility to pool funds into one account while maintaining your individual accounts for unique tracking purposes.  As checks are presented funds are automatically transferred to or from the primary account. Ideal for multiple store locations or separating payroll and other expense accounts.

This automated fraud detection tool compares checks presented to the bank for payment to an authorized list of checks issued.  

How does it work? Your business provides an electronic file of checks issued that you expect to post to your account.  When checks are presented for payment, we will notify you of any unmatched items to review online and decision the exceptions for “pay” or “return”.

ACH Positive Pay is a fraud protection service which offers the ability to view, filter, and approve or return incoming entries to your accounts at Civista Bank.

Civista FraudEYE can alert you by phone, email or text for suspicious activity on your Civista Business Debit Mastercard®.  If our monitoring programs suspect a fraudulent transaction, we’ll ask you to verify that you authorized the transaction in question using the contact information in our records.   Civista FraudEYE’s automated notifications allow us to quickly and securely communicate with you and suspend or reactivate your card if necessary.

Opt-in for text alerts or learn more about Civista FraudEYE 

Add an extra layer of security to your Civista business online banking login procedures with two-factor authentication. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Stay a step ahead of fraud

Fraud is real and can be damaging to your business' future.  Imagine the inconvenience and financial consequences from stolen checks and fraudulent account access to name just a few.  Let Civista's Treasury Management team assist in reviewing your account controls and provide risk management tools.
Merchant Services
Accept card payments easily and securely.
 
 
 

The best offense is a good defense.