Treasury Services

Patriot Bank offers a wide range of Treasury tools and services to meet your business needs.  Find ways to save time and money, earn interest, protect your business from fraud and streamline your daily operations.

Treasury Services Login Links

Collecting Funds

Remote Deposit

  • Securely make non-cash deposits directly from your office with a Bank-provided scanner
  • Extend deposit deadlines and improve funds availability
  • Reduce trips to the Bank while improving employee productivity

Lockbox

  • Process your receivables safely, efficiently, and accurately
  • Improve internal controls
  • Obtain detailed deposit information and document images online through a secure website

Merchant Services

  • Enhance payment solutions with credit and debit card processing
  • Improve cash management
  • Allow your customers to choose the way they pay

Disbursing Funds

ACH Origination – Credits

  • Offer employees the benefit of direct deposit of payroll
  • Pay vendors electronically

Wire Origination

  • Securely transfer funds domestically and internationally
  • Establish templates for recurring wires
  • Initiate funds using enhanced security features

Business Credit Card

  • Enhance your purchase power and control
  • Enjoy flexible billing options
  • Manage online account access

Payroll Card

  • Offer direct deposit to employees without established bank relationships
  • Withdraw funds at any ATM
  • Provides access to funds through Point of Sale (POS) transactions with most merchants

Cash Flow Optimization

Treasury Management Sweep

  • Maximize interest earned on excess collected balances
  • Establish a predetermined target balance
  • Combine with Line of Credit Sweep (optional)

Line of Credit Sweep

  • Link your checking account and line of credit for automatic funding
  • Use excess cash to reduce outstanding principal balance on line of credit
  • Combine with Treasury Management Sweep (optional)

Zero Balance Account

  • Automate funds collection and/or disbursement
  • Maximize interest earnings
  • Establish optional target balance

Risk Management

Positive Pay

  • Process only pre-approved checks and debits
  • Assists in preventing check & ACH fraud
  • Sends alerts for unmatched items

ACH Debit Block

  • Prevents unauthorized debits to your account
  • Control authorized transactions with automated filters

Information Reporting

N Touch Business Online Banking

  • Monitor account balances in real time
  • Transfer funds between accounts 
  • Initiate stop payments
  • Initiate wire transfers1
  • Initiate ACH transactions1
  • Download monthly account statements
  • Bill Payment
1Subject to credit approval

eStatements

  • Maintain 12 months of your official account statements
  • Receive notifications of statement availability

Electronic Data Interchange (EDI)

  • Enables exchange of payment information between trading partners

CD-ROM Image Archive

  • Reduce paper by storing bank statements and check images in a CD-ROM archive

Note: Treasury Services are subject to credit approval. Sweep accounts must be linked to an Analyzed Business Checking account.