Treasury Services

Treasury Services

HomeTown Bank provides our commercial customers with access to the most up to date, powerful financial services and technologies that keep their business running and money flowing. Because time is money, and managing that money should be simple and convenient.

Manage Your Payables

We can help you organize your payables so that you can spend less time working on transactions and more time working on running your business. The best part is that every transaction is secure!

ACH Origination

Pay anyone, anytime. Automated clearing house transactions are an effective way to handle payroll, cash concentration, disbursements, and collections HomeTown's system makes this service easy to use, accurate and secure.

Bill Pay

Securely manage your business account and bay pills 24 hours a day, 7 days a week from anywhere you can access the internet.

Outgoing Wires

When you need to move money quickly and securely, our electronic wire transfer service is the best way to make sure your payment is made in a timely manner.

Credit Cards

Get the funds you need to run your business right. Our array of business credit cards will help you manage your expenses with simplicity.

Business Debit Cards

Every HomeTown business checking account comes with a free EMV debit card to help you access your funds on the go, because running a business never means staying in one place.

Optimize Your Receivables

Keep a healthy bottom line by using HomeTown Bank's Treasury services to streamline your incoming cashflow. From your day to day point of sale processing to transferring large sums, you'll rest easy knowing your money will be in the bank when and where you need it.

Remote Deposit Capture

Though we love to see your smiling face, you may never have to step foot in one of our branches again with our convenient remote deposit capture service. Prepare and submit deposits electronically from your office at your convenience.

ACH Origination

Accept payments from anyone, anytime. Automated clearing house transactions are an effective way to handle pay roll, cash concentration, disbursements and collections HomeTown's system makes this service easy to use, accurate and secure.

Incoming Wires

When someone needs to send you money quickly and securely, our electronic wire transfer service is the best way to make sure your payment is received in a timely manner.

Merchant Services

Maximize your sales by accepting debit and credit cards in addition to cash and checks. HomeTown Bank's comprehensive payment processing solutions give businesses the ability to accept all major credit cards, anytime, on any device.

Boost Your Cashflow

Don't just let your money sit in an idle account. When you tap into the benefits of our cash flow management accounts, you're helping to secure your business's future and long term growth.

Zero Balance Accounts

Keep your money consolidated where you want it by having funds to cover checks automatically transferred from a master account to a checking account maintaining a zero balance.

CDARS®

CDARS® provides FDIC coverage on CDs up to $50 million. When you work directly with HomeTown Bank, you'll receive a wide range of maturity options, a monthly statement detailing your balance, and a single 1099 on your investment.

ICS℠ (Insured Cash Sweep)

Manage your cash with an ICS℠, allowing you to acquire multi-million-dollar FDIC protection on your savings deposits. HomeTown will put excess balances to work in an interest-bearing savings account, allowing you to withdraw funds up to 6 times per month.

Sweep Options

Link a sweep account to your business checking to automatically invest your excess funds into an interest-bearing account. This way, you'll know money that could be collecting interest isn't sitting idly. Choose from the following sweep options: Zero Balance Accounts, Line of Credit Sweep, Premier Money Market Sweep, Dual credit line and money sweep

Protect Your Money

Fraudulent transactions and account hacking is one of the biggest threats to a healthy business. Make sure your incoming and outgoing transactions are secure with HomeTown Bank's various fraud protection programs.

ACH Block & ACH Filter

Screen or block incoming ACH transfers with various parameters, including company name and ID, SEC code, amount and check ranges, and other questionable items, helping reduce your fraud risk.

Dual Control

While it's important to put trust into your employees, it's also important to protect your business. Through dual control options and practices, you can set up an extra layer of security to safeguard against employee errors and fraudulent activities.

Multi-Factor Authentication (MFA) & Token Technology

MFA is the use of a second level of customer authentication in addition to the standard user ID and password. It is one of the most effective ways to deter fraudulent online activity. MFA Security tokens use both a random one-time password which is assigned for each log-in and used with your PIN number. The tokens cannot be duplicated, remotely hacked or spoofed.

Positive Pay

A fraud prevention tool that ensures items presented for payment against a customer's account are verified against an issued file prior to being paid.

Protect the flow of funds from your account with positive pay services by providing the bank with a list of checks authorized to clear your account. We’ll match the check number and transaction amount to each check presented on your account. If it doesn’t match, you will have the opportunity to tell us to pay the item or return it to the depositing bank.