Treasury Management

Treasury Management

CNB Bank & Trust, N.A. understands the complexities of managing finances for businesses. Our knowledgeable team works closely with businesses to understand their unique needs, provide customized solutions to help them reach their financial goals, and effectively manage their cash flow, liquidity, and risk.

Payments (Disbursement Services)

We offer a complete product and service selection to make managing payments simple and efficient.

Automated Clearing House (ACH) Payments

Reduce risk of issuing check payments, lower transaction cost compared to issuing checks, initiate direct deposit for employee payroll or vendor payments, and better manage transaction settlement with faster processing time, next day settlement.

Wire Transfer (Online)

We offer same day settlement and the  facilitation of domestic & international payments to trusted partners. Wires are best for immediate or urgent payments.

Business Credit Card

Track corporate spending without any extra effort and make purchases when and where you need them. Enjoy state-of-the-art security on your card and earn rewards on your purchases towards merchandise, travel, entertainment, etc.

Learn More About cRewards

Receivables (Collection Services)

The faster and more efficiently you collect receivables, the quicker you can put your cash to work.

Desktop Teller (Remote Deposit Capture Machine)

Deposit multiple checks at a time, time your deposits to increase control over cash flow and reduce paperwork when you scan checks—no need to make copies

Mobile Deposits

Save time with fewer trips to the bank and deposit checks directly into your account from anywhere.

Automated Clearing House (ACH) Collections

Submit electronic requests to debit your customers’ accounts for payment, collect rent/dues/membership fees on a one-time or recurring basis.

Lockbox

Improve cash flow by reducing processing time between delivery of mail and depositing of payments and free personnel from the labor-intensive process of manually handling mail, making daily deposits, and posting manual payments.

Fraud Protection

Positive pay is a disbursement service used to combat payments fraud related to both checks and ACH. Because of the nature of companies disbursement activities, they will always be a target for fraud, both internal and external.

 

Check Positive Pay

Automated fraud identification tools alert you to unauthorized or fraudulent checks. Proactively manage checks paid vs checks issued and authorize payment of valid checks or return of fraud items. Submit check issued file in batches or individually to help detect fraudulent, altered or counterfeit checks.

ACH Positive Pay

ACH Positive pay is protection over ACH debit transactions when they post to your account. Enjoy the ability to add, edit or delete pre-authorized payment rules for straight through processing

 

Merchant Services

Collect payments anywhere with merchant services. Merchant services make it possible to offer your customers additional methods of payment, including Visa, Mastercard, Discover, and American Express.

Liquidity Management

Sweep Services - designed to help your company automate deposit and or borrowing functions to maximize investment earnings, minimize idle balances and reduce interest expense while helping you to maintain control of your liquid needs.

Loan Sweep

Automated sweep to ensure funds are borrowed from a working capital line of credit when necessary or at a pre-determined amount.

Zero Balance Account (ZBA)

Transfer funds from a central account to the disbursement accounts to cover transactions and link several sub accounts to a single master account to concentrate funds.

Repurchase Agreement Sweep

Optimize interest earnings with automatic sweeps to an overnight repurchase agreement.

ICS® & CDARS

With ICS®, your funds are placed into money market deposit accounts. With CDARS, funds are placed into CDs.

Contact Us

Alicia Vaulx

Treasury Management & Business Development Officer

P: 708.342.8968
E: 

Alicia Vaulx has worked in the banking industry for over 12 years, splitting time between Treasury Management, Deposit Services and Sales. She joined CNB Bank & Trust in 2019 and began assisting existing business clients and overseeing the development of building new client relationships.

Alicia appreciates working with business owners of varying industries.

"I get to work with so many great business owners whose primary focus is growth and improvement. I enjoy tailoring solutions to fit the needs of each client individually.”

Alicia is dedicated to helping businesses enhance their treasury management practices. She is a trusted officer who partners with clients to improve their existing banking strategies and finds solutions to save time & money while increasing overall convenience and efficiency. She received her bachelor's degree in business from Indiana University.