Business Banking & Treasury Solutions
Banking Solutions That Work as Hard as You Do
Helping businesses improve cash flow, strengthen security, simplify payments, and protect what matters most.
Whether you're a growing business, nonprofit, healthcare organization, educational institution, public entity, or cannabis related business, INB delivers customized banking and treasury solutions backed by responsive relationship management, advanced technology, and local decision making.
At INB, we combine the financial strength and capabilities of a national bank with the responsiveness, relationships, and local decision making businesses expect from a trusted community banking partner.
Talk with an INB Treasury Specialist today!
Why Businesses Choose INB
Relationship First
A dedicated treasury professional who understands your business.
Local Decisions
Responsive service from experienced bankers empowered to act quickly.
National Strength
The financial strength, stability, and capabilities of a national bank with the personalized service of a community bank.
Customized Solutions
Treasury services designed around your operations, not packaged products.
Advanced Security
Fraud protection tools that helps protect your organization.
Banking Built on Trust
Treasury Management Made Simple
INB helps businesses:
- Collect payments faster
- Pay vendors securely
- Protect against fraud
- Improve cash flow visibility
- Save time through automation
- Simplify day to day banking
Solutions Designed Around Your Business
Collect Payments
- Lockbox
- Merchant Services
- Remote Deposit Capture
- ACH Collections
Make Payments
- ACH
- Wire Transfers
- Commercial Credit & Debit Cards
- Account Reconciliation
Protect Your Business
- Positive Pay
- ACH Fraud Controls
- Dual Approval
- Fraud Monitoring
Manage Cash
- Liquidity Solutions
- Treasury Portal
- Cash Reporting
FDIC Insured Deposit Solutions
- ICS®
- CDARS®
- Expanded FDIC Insurance
- Flexible liquidity options
- Large balance deposit strategies
Finance Growth
- Commercial Lending
- Lines of Credit
- Equipment Financing
- SBA Loans
Investment Options: You’ve worked hard for your money, now make it work hard for you with INB’s business investments. Investment products are not FDIC insured, are not deposits and may lose value.
Specialized Banking Solutions
Health Savings Account Administrative Solution
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Industries We Serve
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- Business Owners
- Healthcare
- Manufacturing
- Construction
- Professional Services
- Nonprofits
- Public Entities and Municipalities
- Cannabis Businesses
- Agriculture
- Commercial Real Estate
Business Banking Resources
Businesses Are Being Targeted with PPP Loan Scams
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Frequently Asked Questions
What is Treasury Management?
Treasury management is a collection of banking services that helps organizations efficiently manage cash flow, process payments, protect against fraud, and improve financial visibility. Treasury solutions can automate everyday banking tasks, reduce manual work, and provide greater control over your organization's finances.
At INB, we work with businesses, nonprofits, healthcare organizations, educational institutions, and public entities to customize treasury solutions that fit their unique operational needs.
How Can Treasury Services Improve Cash Flow?
Treasury services help organizations move money more efficiently by accelerating collections, streamlining payments, and providing greater visibility into cash positions.
- Depending on your needs, treasury solutions may help you:
- Collect customer payments faster
- Automate vendor and payroll payments
- Improve cash flow forecasting
- Reduce manual processing
- Access real-time account information
- Better manage liquidity across multiple accounts
By improving how money moves through your organization, treasury management can help increase efficiency and support better financial decision-making.
How Does Positive Pay Help Prevent Fraud?
Positive Pay is one of the most effective tools available to help businesses prevent check fraud.
When your business issues checks, you provide INB with a list of approved check information. As checks are presented for payment, Positive Pay compares them against your authorized file. If a check has been altered, duplicated, or contains mismatched information, it is flagged for review before payment is made.
Positive Pay can help protect your organization from:
- Check washing
- Altered checks
- Counterfeit checks
- Duplicate check fraud
- Unauthorized payments
Combined with ACH fraud controls and dual approval features, Positive Pay is an important part of a comprehensive fraud prevention strategy.
How Can Businesses Protect Against Check Fraud?
Check fraud continues to evolve, making proactive fraud prevention more important than ever.
Businesses can reduce risk by implementing multiple layers of protection, including:
- Positive Pay
- ACH Fraud Controls
- Multi-Factor Authentication
- Dual Approval for transactions
- Secure Online Banking
- Regular account monitoring and alerts
At INB, our treasury specialists work with each client to recommend fraud prevention tools based on their payment activity, operational processes, and risk profile.
What Are FDIC Insured Deposit Solutions?
FDIC Insured Deposit Solutions help organizations protect large cash balances while maintaining convenient access to their funds.
Through the IntraFi® network, including ICS® (Insured Cash Sweep®) and CDARS® (Certificate of Deposit Account Registry Service®), eligible deposits can be distributed among participating financial institutions to provide access to expanded FDIC insurance—all while allowing you to work directly with INB.
Benefits may include:
- Access to expanded FDIC insurance
- A simplified banking relationship
- Flexible liquidity options
- Competitive interest-earning opportunities
- Consolidated reporting through one primary banking relationship
Our Business Banking team can help determine which deposit solution best fits your organization's liquidity and cash management needs.
Let's Build a Banking Solution Around Your Business
Every organization has unique operational needs. Our experienced Business Banking and Treasury specialists are ready to help you improve efficiency, strengthen security, and simplify the way you manage your finances.
Talk with a Treasury Specialist
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