Smarter Cash Flow Starts Here
Ballston Spa National Bank offers treasury management services for Capital Region businesses, nonprofits, and organizations, giving you the tools to streamline payments, collect receivables faster, monitor your accounts in real time, and protect against fraud.
Secure and Controlled Business Banking
Bank Anywhere
View accounts, initiate electronic transactions, and manage payables and receivables 24/7 – from your desktop, mobile phone, or tablet.
Control Access
State-of-the-art permission controls let you decide exactly what each staff member can see and do online- so you can delegate with confidence.
One Simple Login
Manage multiple entities under a single login. Less juggling, fewer passwords, and a complete picture of your business in one place.
Built-In Security
Multi-factor authentication and built-in fraud mitigation tools add layers of protection around every transaction, making it convenient and secure.
Payment Processing
Pay Vendors Faster. Stay Secure.
Stop relying on paper checks and the time, cost, and fraud risk they entail. BSNB offers your business secure, efficient ACH and wire payment options, whether you’re running payroll, paying vendors, or settling taxes and insurance.
- Send recurring or one-time ACH payments electronically.
- Send time-sensitive, high-value payments via wire transfer.
- Pay vendors or move funds between banks quickly and securely.
- Get paid faster and reduce check fraud exposure with Check Positive Pay.
Collecting receivables
Simplify Payment Collection
BSNB gives you the tools to collect payments, process receivables, and accept customer payments – all from your office or on the go with digital banking.
- Remote Deposit Capture* – Scan and send deposits securely.
- Mobile Check Deposit* – Deposit checks from your smartphone.
- Lockbox Services* – Let BSNB process payments for you, cutting administrative costs and fraud risk.
- Merchant Processing* – Accept credit cards, debit cards, mobile wallets, and more.
Account monitoring
Your Accounts Managed Anywhere
BSNB’s online banking platform gives your team complete visibility and control over your finances – available 24 hours a day, seven days a week from any desktop, smartphone, or tablet.
- Review balances and manage cash flow on one secure platform.
- Manage accounts and deposit checks on the BSNB mobile app.
- Role-based permission controls define access.
- Manage multiple entities under one login.
- Download and retrieve account data in QuickBooks™.
fraud protection
One Step Ahead of Fraud
BSNB gives you proactive tools to monitor, detect, and stop unauthorized transactions before they impact your business.
- Check Positive Pay* – Protect your organization against counterfeit and altered checks.
- ACH Positive Pay* – Help deter financial loss associated with unauthorized ACH debits.
- Card Suite Lite – You have the power to control how, when, and where your debit card is used.
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Meet Our Treasury Management Team
Renee Flanders
VP, Senior Treasury Management Officer
Montana Morrison
Treasury Management Onboarding & Senior Support Specialist
Frequently Asked Questions
Treasury management is a set of banking tools and services that helps businesses manage cash flow, send and receive payments efficiently, protect against fraud, and maintain clear visibility into account activity. If your business regularly runs payroll, pays vendors, processes customer payments, or manages multiple accounts, treasury management services can save you time, reduce risk, and give you more control over your finances. Ballston Spa National Bank offers treasury management solutions designed for Capital Region businesses of all sizes, from small businesses to nonprofits and larger organizations.
BSNB offers two primary electronic payment methods for businesses:
ACH (Automated Clearing House) payments are ideal for recurring transactions like payroll, vendor payments, and tax payments. ACH transfers are processed electronically, reducing the time, cost, and fraud risk of paper checks.
Wire transfers are best for time-sensitive or high-value payments that need to move quickly and securely, whether to another bank or to a vendor or partner.
Remote Deposit Capture (RDC) lets you deposit checks without making a trip to the bank. Using a desktop scanner connected to BSNB’s online banking platform, you scan checks directly from your office and submit the deposit electronically. Funds are credited to your account faster than with traditional paper deposits, and you keep a digital record of every transaction. It’s available for businesses that regularly receive check payments and want to reduce the time spent on manual deposits.
Remote Deposit Capture lets you deposit checks by scanning them using a specialized device and software. The funds are processed just like a traditional deposit – without you ever leaving your office.
A lockbox is a payment processing service where BSNB receives, opens, and deposits customer payments on your behalf. Your customers mail payments directly to a dedicated P.O. Box managed by BSNB. Our team processes the checks and deposits them into your account, typically faster than if payments were mailed to your office first. Lockbox services are particularly valuable for businesses and nonprofits that receive a high volume of mailed payments, such as insurance companies, utilities, associations, or healthcare organizations.
The Card Suite Lite mobile app gives you instant control over your BSNB business debit card – no phone call required. If your card is lost, stolen, or you notice suspicious activity, you can turn the card off immediately from the app. When you find your card or confirm the situation is resolved, you can turn it back on just as quickly. The app also lets you monitor and manage transactions in real time, so you always know exactly how and where your card is being used. Download the app via Google Play or on the Apple store.
Positive Pay is one of the most effective tools BSNB offers to protect your business against check fraud and unauthorized ACH transactions – and it works automatically, in the background, every day.
Check Positive Pay works by matching every check presented for payment against the check file you’ve uploaded into BSNB’s online platform. The system compares check numbers, dollar amounts, and payee names. If anything doesn’t match – a counterfeit check, an altered amount, a wrong payee – you receive an exception report and decide whether to pay or return it before it clears.
ACH Positive Pay gives you the same control over electronic debits. You define which companies or individuals are authorized to debit your account. Any ACH transaction that falls outside those parameters is flagged in your online banking dashboard for your review and decision. Both services are subject to approval. Contact ourTreasury Management team to learn how to get started.
Business Checking
Keep your cash flow moving, with the flexibility to match how your business actually runs, not how a big bank thinks it should.
- Multiple account options for businesses of every size.
- Digital Banking access – manage accounts, pay vendors, and review transactions anytime.
- Debit card access for owners and authorized employees.
- Easy account setup with dedicated support.
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