Treasury Management

Simplify the process of making payments and collecting receivables with our ACH origination service.

• Conduct a number of payments electronically:
  • Make vendor payments
  • Debit and credit originations
  • Transfer funds between your Keystone Bank accounts and accounts at other U.S. financial institutions
• An up-to-date record of transactions is available via online banking or account statements
• Schedule one-time or recurring payments
• Efficient and accurate processing, providing more visibility to your cash position
• Increase productivity by automating processes
• Increase accuracy; reduces human error
• Eliminates wastes and expenses associated with paper checks

If ACH services require underwriting, services will be subject to credit approval.

Take advantage of Same Day ACH processing for your Payroll or Business-to-Business payments. This expedited ACH process will ensure your ACH credits are received the same day you originate them. 

• Excellent solution for hourly employee, bonus, and emergency payroll payments
• Faster business-to-business payments to speed up purchases and shipments 
• Expedited business-to-consumer payments for transactions such as insurance payouts

If ACH services require underwriting, services will be subject to credit approval.

Save time and money using our online wire origination service for all your wire request needs. With just a couple clicks, you can create and approve wire requests from anywhere. 

• Create one-time or recurring wire transfers 
• Receive real-time email alerts and Online Banking confirmation information 
• Ensure same-day credit to your recipients 
• Eliminate calls and bank visits for wire requests 
• Save money — online wire origination fee is less than fee for in-bank requests 

Directly deposit employee payroll with the click of a button.

• Ensure your employees are always paid on time
• Increase employee retention and satisfaction
• An up-to-date record of transactions is available via online banking or account statements
• Efficient and accurate processing, providing more visibility to your cash position
• Cut down on employee resources and time

Idle money does nothing for your business. Put it to work — and maximize every penny. 

• Account Sweeps: 
  • Designate a target balance on your primary checking account to transfer excess funds into another business account 
  • Transfer funds into your business accounts to eliminate overdrafts  
  • Ideal for businesses with multiple divisions, practices, or operating units 
  • Keep your money working for you, automatically 
• Line of Credit (Loan) Sweeps:
  • Transfer funds into your business accounts to eliminate overdrafts 
  • Pay down your line of credit using excess deposit balances in your account 

Positive Pay is a fraud prevention tool that detects any unauthorized checks or electronic transactions attempting to clear your account. Simply upload your check register into Positive Pay and the system will use it to verify the items presented for payment. Positive Pay validates four key items on your check: Date, payee name, amount, and check number. In the event one of those items is altered, we will notify you and allow you to either pay or reject the item. 

• Protect your business against altered and unauthorized check and ACH transactions 
• Provides an additional layer of protection against fraud 
• Save time reconciling account statements

Your customers send check payments to a secure PO Box that we check daily. Your checks are scanned, including the remittance forms, and deposited into your account. Lockbox Services are designed for businesses with large check volumes such as energy-related companies, municipalities, property management, medical practices, and nonprofit organizations. 

• Leverage banking relationship to assist with your day-to-day operations 
• Eliminate deposit preparation and delivery to the bank 
• Minimize the expense of receiving and processing check payments 
• Custom payment files available for input into your account system