We operate with great confidence knowing Oakworth is watching our back. Their team understands our business and works alongside us to help keep operations running smoothly.
Joe Collins, President
Given the scale and complexity of our payroll operations, we move significant volumes of funds every day. That level of activity requires a banking partner who is engaged, accessible, and proactive. We chose Oakworth because of the personal relationships and the opportunity to move away from the impersonal feel of a large national bank.
Our experience has exceeded expectations.
What truly differentiates Oakworth’s team, particularly in treasury management, is their responsiveness. In the payroll business, the biggest nightmare is an employee not getting paid. In the past, we often didn’t discover issues until the next day—usually after clients or employees began calling. With Oakworth, if a file is corrupted or a transaction needs attention, we receive a call right away. We work through it together, often before anyone else is aware there was ever an issue.
Learn More: Oakworth’s Treasury Management
That real-time communication makes a meaningful difference. Their cash flow tools give us minute-by-minute visibility into funds moving in and out of our accounts. Multi-step verification strengthens transaction security. And perhaps most importantly, we can reach a live person—even after traditional banking hours—when timing matters most.
We operate with great confidence knowing Oakworth is watching our back. Their team understands our business and works alongside us to help keep operations running smoothly.
— Employee Liability Management (ELM)
About ELM:
Employee Liability Management (ELM) was founded in 2000 with a clear purpose: deliver true local service while providing clients access to advanced human resource management, payroll processing, benefits administration, and compliance support. Today, ELM serves more than 800 clients across 39 states, managing complex payroll operations that require precision, reliability, and real-time insight.
The views and opinions expressed in this communication may be based in part from the experience of working with our team members at Oakworth Capital Bank, a separate affiliated entity of Oakworth Asset Management, LLC. Results achieved at Oakworth Capital Bank do not reflect the results achieved for clients at Oakworth Asset Management, LLC and therefore it should not be assumed that these testimonials are for Oakworth Asset Management, LLC.