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Treasury Management Services

Cash Management

In today’s world, information is key to running a successful business. With Centennial Bank’s Cash Management online platform, customers have access to balance and transaction information to ensure timely and informed financial decisions. Whether you are transferring money between accounts, collecting payments, paying employees or completing wire transfers, the Cash Management online platform is the ultimate tool for your business’ financial needs.

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Automated Clearing House (ACH): An ACH transaction is a secure electronic transfer of funds between banks, simplifying the payment process.  Business customers may electronically debit and credit accounts for collections and disbursement of payments from your desktop.  Using ACH Origination can save you time and money by eliminating the need to issue and send paper checks.

Wire Transfers: Initiate Wire Transfers online for a fast and secure way to electronically transfer funds for same-day settlement. This payment solution provides a simple way to send or receive domestic and international transfers.

Remote Deposit capture (RDC): Save your business time and money with RDC. This service provides businesses with the convenience of making deposits remotely.  With RDC, you can scan paper checks right from your Office space and transmit the check images to your Centennial Bank account for deposit.

Positive Pay: This is one of the most powerful tools available to combat check fraud today. Through our Cash Management online platform, customers upload an electronic file of issued checks, including the account number, check number, dollar amount and payee name* (*Payee Positive Pay). We match each check presented for payment against your issue file to ensure proper payment and reduce the risk of altered or falsified checks.

ACH Block & Filter Services: Protect your business against unauthorized ACH transactions before they post to your account. This fraud prevention tool gives you the option to block all incoming ACH debits and/or credits or filter by providing a list of companies authorized to post ACH debit transactions to your account. We automatically block those entries that are not authorized.

Lockbox Services: Centennial Bank offers both Wholesale and Retail Lockbox Services to help increase your company’s efficiency by accelerating collections and reducing labor costs. Using this service, your customers mail their payments to a P.O. Box at one of our processing centers where the Bank will collect and deposit funds into your account daily.

Zero Balance Accounts (ZBA): This feature, attached to your checking account, allows you to consolidate your funds from multiple accounts for greater control over your cash resources. A balance of zero, or a minimum/maximum threshold is set by you. Funds automatically transfer to/from a “master” account to consolidate funds daily.

Insured Cash Sweep (ICS)1: Customers may earn interest on funds placed into demand deposit accounts. Centennial Bank is able to offer business, not-for-profit, municipal and consumer customers extended FDIC insurance by automatically sweeping excess funds from a Demand Deposit Account when balances fall outside of the normal FDIC protection limits.

Merchant Services: Receive credit faster with Centennial Bank’s Merchant Services! Centennial Bank offers competitive pricing with no hidden processing fees for all major credit cards – VISA®, MasterCard®, American Express® and Discover Card®.

Business Cards: Centennial Bank offers a variety of business credit cards to meet your needs including Purchasing and Payroll cards. Visit the Business Credit cards page or contact your local branch for more information.

Cash Management Email and Text Alerts: Receive Email and/or Text Alerts about your account(s).


Certain transaction fees, limitations and requirements may apply. Please refer to the product terms and conditions or see Bank for details.  All services subject to prior Centennial Bank approval.

1Placement of funds through the ICS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits and customer eligibility criteria apply. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS settlement for a deposit or after ICS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS satisfies those restrictions. ICS, Insured Cash Sweep, and CDARS are registered service marks of Promontory Inter-financial Network, LLC.

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Contact Treasury Management Services Support
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