Information and funds management within Treasury Management helps commercial business owners manage resources and cash flow, optimize liquidity and reduce financial risk. You need the right reporting, the right account monitoring and the right movements of funds at the right times. Layering the best technology into your financial program provides for stability in an ever-changing financial environment.
Our Strategies
Account Structure
- Treasury Sweep: Manage excess funds to maximize interest earnings through the Treasury Sweep
- Line of Credit Sweep: Excess funds swept to/from commercial lines of credit
- Combo Sweep: Sweep funds to/from the Treasury Sweep and, when needed, a commercial line of credit
- Zero Balance Accounts (ZBA): Structure commercial checking accounts by purpose to allow for segmentation and a seamless flow of funds.
Corporate Liquidity Management
We offer a number of Deposit Management and Corporate Liquidity Solutions to assist our clients in managing excess liquidity. A range of factors are used to determine a customized solution, including balance, rate of return, risk tolerance, security, duration and access to funds. Our solutions are flexible and can be altered periodically to adjust to changes in our clients’ needs and business cycle. Options may include:
- Treasury Sweep Account
- Commercial Money Market Account
- Corporate Bonds
- U.S. Treasuries
- Municipal Bonds
- Money Market Funds
IntraFi
Oakworth, through a partnership with IntraFi, can craft a solution to secure your deposits with 100% FDIC insurance. Request more information by speaking with one of our Treasury Management or Commercial Banking Advisors.
Online & Mobile Banking
Online and Mobile Banking allows all of your business accounts to be viewed through one login. Take advantage of this safe and secure way to check your account balances, pay bills, transfer funds and more.
In addition, Online Banking Business Services allow you to customize your online banking users, limits and services.
- Balance Reporting & Statement Delivery
- Account Activity Export
- Check & Deposit Activity Images
- Internal/External Funds Transfer & Loan Payment
- ACH Origination & Wire Transfer
- Commercial Bill Pay
- Administrator functions including multi-user, multi-function options
- Dual Control for ACH, Wire Transfer and Commercial Bill Pay
- Text/E-mail Alerts
- Outside Account Aggregation
- Oakworth Wealth Access
