Treasury Management Solutions

Treasury Management Solutions

At BNBC, we make your business, our business.

Whether your business is a start-up or well established, we offer a full suite of Treasury Management products and services to help you perform your banking activities quickly and easily so you can spend your valuable time growing your business.

Our dedicated team of Treasury Management professionals will consult with you to understand the needs of your business and implement customized, fully integrated solutions to optimize your cash flow, streamline your receivables and manage your accounts.

To learn more about BNBC’s Treasury Management products and services, contact us today.

Call us today: +1-5-citizens or Find a Location

Deposit Services

Streamline your business’ operations and increase efficiency with BNBC Deposit Services.

Account Analysis
BNBC’s Account Analysis provides a clear view into the volume of your account activity, which enables you to manage cash flow more effectively. By maintaining compensating balances throughout the month in your Account Analysis checking account, your business can accumulate earnings credits on your collected balances to offset service fees.

BAI Balance Reporting
Download your balance and transaction details directly into your financial management software via BNBC’s BAI Balance Reporting files. BAI files are available through two secure systems; our web-banking portal Online Treasury Management and eSolutions, our sophisticated file transmission service.

Cash Services
Process your cash easily and safely with BNBC’s Cash Services solutions. Our Cash Services provide the ability to deliver cash directly to BNBC’s vaults for processing and credit to your account and place cash orders for delivery to your business locations.

CD-ROM Service
BNBC’s CD-ROM service provides a simple way to streamline your record keeping. Each month, your Company will receive digital images of your checks and deposit account statement in convenient CD-ROM format.

Escrow Account Services
Effectively manage and oversee third-party funds with BNBC’s Escrow Account Services. Our Attorney Escrow, Tenant Security, and specialty escrow solutions allow Law Offices, Real Estate Management Companies, and other Escrow Agents the ability to easily segregate client escrow funds and tenant security deposits into multiple sub-accounts and receive detailed reporting through the Online Treasury Management secure web-banking portal.

Zero Balance Account (ZBA)
Simplify cash consolidation in your BNBC accounts with a Zero Balance Account (ZBA) structure. Available funds can be moved automatically between master and sub-accounts to consolidate or disburse as needed reducing the need for manual book transfers.

Online Treasury Management

Access and manage your business’ bank accounts securely, anywhere and anytime, with BNBC’s online banking services.

Online Treasury Management, BNBC’s secure web-banking platform provides comprehensive reporting and seamless access to your Treasury Management services, all from a simple, easy to navigate dashboard. You can view real-time account activity, set up customizable account alerts, and easily initiate electronic payments including ACH, Wires, and Book Transfers. With fraud prevention capabilities including dual approvals, One-Time Passcodes, and Multi-Factor Authentication, Online Treasury Management is a safe, secure way to manage your accounts, 24 hours a day, 7 days a week.

Benefits of our Online Treasury Management service include access to:

  • Account balance information, reports, and check images
  • Account Alerts
  • Automated Clearing House (ACH) Origination
  • Bill Payment
  • eStatements
  • Internal (book) transfers
  • Lockbox Services
  • Positive Pay
  • Quickbooks/Quicken Downloads
  • Remote Deposit Capture (RDC)
  • Stop Payments
  • Wire transfer initiation (domestic and international)

View Online Treasury Management Demo


Manage domestic and international payments easily and efficiently with BNBC’s payment solutions products including Online Treasury Management, our secure web-based platform designed to meet the needs of your business.

Automated Clearing House (ACH) Origination Services
Originate electronic credits for payments including payroll, vendor payments and taxes through the Automated Clearing House (ACH) quickly and efficiently. BNBC’s ACH Origination Service is available through two secure systems; our web-banking portal Online Treasury Management and eSolutions, our sophisticated file transmission platform.

Account Reconciliation
BNBC’s Account Reconciliation service can assist you in efficiently reconciling your bank accounts by providing periodic reports detailing paid, issued and outstanding items, as well as stop payments and voided checks.

Online Bill Payment
Pay your monthly bills electronically with BNBC’s one-stop bill pay dashboard. With Online Bill Payment, you can schedule recurring payments, download account information into your own financial management software, and set up multi-tiered authority levels to delegate tasks while maintaining full control of your accounts.

Controlled Disbursement
Calculate daily cash positions to put excess balances to work. With early notification of daily check presentments, BNBC’s Controlled Disbursement reporting provides your business the information it needs to invest excess funds or pay down debt.

Funds Transfer
BNBC’s Online Funds Transfer service offers an efficient, secure platform to initiate domestic or international outgoing wire transfer payments. Your business can send one-time freeform wires or easily create and save templates for repetitive transactions. Through our secure web-banking portal, Online Treasury Management, your business can set up multiple layers of security including a dual validation approval process, as well as One-Time-Passcode authentication.

Purchase Card
Conveniently and safely pay for items using a BNBC credit card.


Accelerate and manage collections easily and efficiently with BNBC’s receivables solutions products including Lockbox, Remote Check Deposit and Online Treasury Management, our secure web-based platform all designed to meet the needs of your business.

Automated Clearing House (ACH) Origination Service
Originate electronic debits for collections including rent or dues collection through the Automated Clearing House (ACH) to send and receive payments quickly and efficiently. BNBC’s ACH Origination service is available through two secure systems; our web-banking portal Online Treasury Management and eSolutions, our sophisticated file transmission platform.

Deposit Reconciliation
Streamline your accounting with BNBC’s Deposit Reconciliation service. View deposit details by location on your monthly account statement and a periodic report to assist you in reconciling collections from multiple locations into one account.

Lockbox Services
Accelerate access to your funds by directing receivables to a BNBC lockbox. With multiple locations in St Peter Port and the St Sampson City area, BNBC will process your deposits and provide your business with digital images of checks and documents for viewing via Online Treasury Management and the lockbox Web portal. Remittance data can be transmitted directly to you for update to your receivables systems.

Merchant Card Services
Offer your clients additional payment options with BNBC’s Merchant Card Services. We offer an extensive range of reliable, innovative and cost effective products that allows your business to accept credit and debit cards for payment.

Remote Deposit Capture (RDC)
Electronically deposit checks to your BNBC commercial accounts, 24 hours a day, seven days a week, directly from your office with BNBC’s secure Remote Deposit Capture (RDC) Service. This simple and efficient service can save time and free your staff for other activities by scanning and securely transmitting check images to BNBC for deposit.

Fraud Prevention

Safeguard your business accounts and reduce the risk of financial losses with BNBC’s Fraud Prevention Services.

ACH Alerts
Protect your business accounts against unauthorized ACH Debits with ACH Alerts. This service allows you the control of pay/no pay decisioning for incoming ACH debits by triggering a real-time actionable alert via e-mail or text message, enabling you to thwart potential fraudulent entries immediately. This real-time debit approval process, which can occur before a debit posts, allows you to easily identify trusted trading partners and to automatically populate an “approved list” for future transactions.

Positive Pay Services
Protect your business from check fraud with BNBC’s Positive Pay service. Online exception management enables you to make daily pay or return decisions simply via Online Treasury Management, our secure web-banking portal for any check presented for payment that was not included on or does not match the details provided in your check issuance file.