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Treasury Management

Cash management. Simplified.

Financial solutions for your business shouldn’t follow a one-size-fits-all approach. At Five Star Bank, we  offer a full array of tools designed to help any size business. From information reporting to fraud protection and more, we are here  for you and your business‘ well-being.


For our sophisticated business customers, we offer dedicated cash management support. Our cash management portfolio includes:  

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For additional information, contact us at (877) 226-5578 or visit your local branch!


Digital Banking for Business

Our new comprehensive Digital Banking tool creates an enhanced business banking experience where you can access Five Star Bank virtually anywhere, anytime. The power to manage your business accounts is in your hands.

  • Transfer funds between accounts.
  • View images of cleared checks and deposits.
  • Manage users and permissions from your admin dashboard. 
  • Run near real-time reports of your financial activity.
  • Enroll in e-statements.
  • Initiate ACH transactions and wires, request stop payment and pay bills. 

Enroll Today!(Opens in a new Window)




Take your business account with you on your mobile device using our Five Star Bank Digital Banking app for Android devices and Apple devices.

Information Reporting

BAI Reporting provides you with the tools to view, analyze and take action on account activity. Access same-day and next-day balances and transaction reporting through Five Star Bank Digital Banking. Download reports directly to your computer or mobile device in standard BAI-II and CSV file formats.


Disbursements

Make payments your way with ACH and Wires as well as Credit Card programs for purchase, travel, and entertainment expenses.
  • ACH Origination – Originate both Payments and Collections with Digital Banking.
  • Wire Transfers – Manage initiations, limits, and confirmations online with Digital Banking.
  • OneCard – One solution for travel, entertainment, and purchasing.

Collections

Collections fuel your business and Five Star Bank gives you the options to succeed. We offer services that include Remote Deposit, Lockbox and Card Processing through Merchant Services.

  • Remote Deposit Capture – Our Remote Deposit Capture Service allows your business the flexibility to process check deposits directly to your deposit accounts right from your office. This service includes robust reporting on your deposits and our service includes supplying equipment at no extra cost to you. 

Introducing the Remote Deposit Capture Mobile App
Now with the Mobile Remote Deposit Capture App you can create, review, and approve deposits anywhere your business takes you. With our advanced integration system, Remote Deposit Complete and the Mobile scanner seamlessly combine so you can access using a desktop, PC, tablet or smart phone with ease.
Download the app today!

Google Play App Store


Already a Remote Deposit Capture Customer?

  • Lockbox Payment Processing – Improve your funds availability and streamline record keeping by outsourcing your daily check collections to Five Star Bank. We will collect and process payments made to your business, depositing the collected funds into your account each day. You will receive a customized detail report to save you time in reconciling payments.
  • Electronic Data Interchange (EDI) Reporting – EDI reporting provides addenda information and ACH detail to keep your records up-to-date.
  • Merchant Services – Accept credit and debit card payments. We provide clear, simple statements and 24-hour support for any questions you have, anytime you have them.

Fraud Prevention

Fraud is constantly evolving, but so are your defenses. We offer advanced fraud mitigation solutions to help safeguard your business. Whether it’s ACH or check payments, we’re here to help you mitigate risk.

  • Check Positive Pay – Verify issued checks against authorized files to ensure only approved checks clear.
  • ACH Positive Pay – Review every ACH debit using customizable rules to block unauthorized activity.
  • Debit Block All – Block ACH debit transactions on designated accounts.
  • Universal Payment Identification Code (UPIC) - A secure, shareable identifier that allows businesses to receive electronic payments without exposing their actual bank account information.

 

Liquidity Services

Mobilize your funds for ready access while increasing interest income and decreasing interest expense

  • Zero Balance Accounts (ZBA) – Concentrate company funds into an operating account to maximize funds availability and increase efficiency.
  • ICS® (Insured Cash Sweep) Demand – Put excess cash balances to work in your savings accounts (money market deposit accounts) with the option to access your funds up to six times per month. Feel good knowing your ICS funds are eligible for FDIC protection.
  • CDARS® (Certificate of Deposit Account Registry Service) – For medium to long term deposits, CDARS allows you to earn interest on large deposits while maintaining FDIC insurance.

Get started today!

Stop into your local branch today or fill out the form below, and one of our Business Banking Relationship Managers will reach out to you shortly to discuss our cash management solutions.  

Please do not include personal information (such as your social security number, date of birth, or other sensitive personal information) in any message you send through this contact form.



Serving the communities of Western New York.

Find your local Five Star Bank offices.