Business Treasury Management Products & Services
Treasury Management Investment Sweep
This account relates to a Zero Balance Account (see below) or to an account where a compensating (peg) balance has been established and balances are swept to an interest-bearing account which maximizes earnings capacity.
- Excess funds transfer automatically at the end of the business day to the interest-bearing sweep. No need for manual intervention
- Funds sweep to the business transaction account to cover presentments as needed
- Interest is earned from the day of deposit based on ledger balance rather than collected balance
- Competitive market interest rate is paid on the Treasury Management Investment Sweep Account
Zero Balance Accounts
Customized Zero Balance Accounts (ZBA) allow the opportunity to segregate business functions into separate accounts.
- ZBAs allow for greater control and are often used for payroll, accounts payable and merchant services
- Funds sweep as needed from the operating account to cover presentments daily. Your staff would not have to manage the funds transfers in anticipation of checks clearing
Remote Deposit Capture
A service that allows you to scan checks from your office and send them to the bank electronically. The Bank supplies and installs the scanner and provides training in your office. Benefits of this state-of-the-art technology include:
- Cost effective and a great alternative to courier services
- Saves time and expense of driving to the bank
- Easy to scan, submit and research items
- Provides a deposit archive complete with images of checks deposited
- Ability to enter customer specific information and extract posting files to update your accounts receivable system
- Customer service provided by the bank
Lockbox Services
Our lockbox service provides a convenient and cost-effective way to collect, process and deposit your daily accounts receivables.
- Wholesale, retail and customized services
- Local processing facility for retail needs and bank-controlled processing for wholesale and customized needs
- Data file capability for automated posting to your accounting software
- Expedited processing of payments allows your funds to be deposited sooner
- Deposit detail and check images provided for convenient and secure recordkeeping
Courier Service
Save time and operating costs with the convenience and safety of having your deposits delivered to the bank. Daily or on-call service can be arranged.
Merchant Service Processing
Colorado Capital Bank will service your credit card /merchant processing needs. We work with a third-party provider that has similar business beliefs and strategies: high-touch service at a reasonable cost. If you choose not to use our merchant processor, we will gladly redirect your current processing to settle with Colorado Capital Bank.
- Simple application process
- Ability to customize your website to fit your specific needs
- Online report management capability
- One time event processing for nonprofit organizations
Corporate Credit Cards
Corporate credit card products designed to assist you and your staff in managing travel expenses, purchasing supplies or paying for business meals. Credit qualification is required.
- Master account and sub-account reporting
- Allows for separate limits for each cardholder
- Consolidated billing provides separate cardholder detail
- Year-end detail available upon request
- Value-added card with mileage benefits
Payroll / Stored Value Cards
Stored value cards are a cost-efficient way for a company to deliver its payroll; especially to those employees who do not have a bank account.
- Electronic deposits are made to card accounts as you indicate and may be replenished
- Cards can be used at ATMs as well as for point-of-sale transactions at merchants
- Multiple cards can be issued
- Cardholders have online access to transaction and balance information
Our expert treasury management officers are available both during and after office hours and will meet with you in your office to maximize your time. To speak with your local officer, please click here for contact information.