FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Treasury Management | HCN Bank
Treasury Management Services

Tools that help your business move money, protect cash flow, and stay focused.

Your business has payments to send, deposits to make, checks to protect, and customers to serve. We bring those needs together with Treasury Management services built around practical business banking.

Manage cash flow

Keep money moving with services for deposits, payments, transfers, and account visibility.

Reduce preventable risk

Add practical controls around checks, online access, payment activity, and account monitoring.

Simplify the workday

Spend less time chasing manual banking tasks and more time serving your customers.

Choose a service

Start with the part of your business you want to improve first.

Each service page gives you the quick pitch, practical use cases, related Treasury tools, and product-specific learning resources where available.

Digital BankingAccess eligible business accounts and Treasury Management services through one secure HCN Bank experience.View serviceBusiness eDepositScan checks from your office and submit deposits securely online, reducing branch trips and deposit preparation time.View serviceACH OriginationUse ACH to move recurring payments and collections electronically with less manual effort.View serviceWire Transfer ServicesSend funds for higher-priority business needs when ACH or check payments are not the right fit.View servicePositive PayMatch issued checks against presented items and review exceptions before decisions are made.View serviceMerchant ServicesAccept card and digital payments with customizable payment solutions and dedicated support through Celero Commerce.View service
Talk it through

Know what you want, or still deciding?

Tell us how your business handles payments, deposits, cash flow, and account controls. Our business banking team can help you identify Treasury Management services that fit.

Request a consultationExplore Digital Banking
← Back to all Treasury services
Your digital banking hub

Digital Banking

Access eligible business accounts and Treasury Management services through one secure HCN Bank experience.

Explore Digital BankingView all Treasury services

One secure starting point for business banking.

Digital Banking brings eligible business accounts and services together with access based on your organization’s enrollment and each user’s assigned permissions.

  • Review eligible account and transaction information.
  • Access services such as eStatements, Mobile Deposit, Business Bill Pay, Business eDeposit, Positive Pay, ACH, and wires when enrolled and authorized.
  • Use user-level account access, transaction rights, approval rights, and limits to support your business controls.
Built around your business

Digital access that grows with your Treasury needs

Your business can use Digital Banking for everyday account access and add eligible Treasury Management services as needed. Access can be tailored by user, account, service, transaction right, approval right, and limit.

  1. 1

    Access eligible HCN Bank business accounts through Digital Banking.

  2. 2

    Add the Treasury Management services that fit your business.

  3. 3

    Assign authorized users the access and transaction rights they need.

Digital Banking

Explore the full experience

Visit our Digital Banking page for online and mobile access, security and sign-in information, Business Digital Banking, and frequently asked questions.

One platform for personal and business banking. Your available accounts and services are based on your banking relationships, enrollment, and user permissions.

Explore Digital BankingDigital Banking FAQs

Ready to talk through Digital Banking and Treasury Management?

Tell us what your business needs to manage, move, or protect, and we can help you identify the services that fit.

Contact usView all Treasury services
← Back to all Treasury services
Deposit checks without the bank trip

Business eDeposit

Make check deposits electronically from your location and keep more of your day inside your business.

Talk with usView all services

Deposit checks from where business happens.

When checks come in, you should not have to plan the day around getting to the bank. Business eDeposit helps you scan checks from your place of business and send deposits electronically, so your team can stay focused on customers, operations, and the next order of business.

  • Submit check deposits electronically from your location.
  • Reduce trips to the branch and manual deposit preparation.
  • Support multiple offices or locations with a more consistent deposit process.
How it helps

Better control over incoming funds

Business eDeposit supports receivables by helping your business move checks into the deposit process more efficiently. It can be especially helpful when deposits come from multiple people, offices, or customer payment points.

  1. 1

    Scan eligible checks using the approved setup for your business.

  2. 2

    Review deposit totals before submitting.

  3. 3

    Send deposits securely through the online system.

Education Center

See how it works

Take a quick tour of Business eDeposit and the tools available inside the experience.

Ready to talk through Business eDeposit?

Tell us what you are trying to improve, and we can help you identify the Treasury Management services that fit.

Contact usView all services
← Back to all Treasury services
Electronic payments and collections

ACH Origination

Send payroll, vendor payments, and customer collections through the ACH network.

Talk with usView all services

Move recurring payments with less manual work.

If your business sends payroll, pays vendors, or collects recurring payments, ACH Origination can help you reduce paper handling and improve consistency. It gives you a practical way to move money electronically while keeping your process organized.

  • Support direct deposit of payroll and recurring payments.
  • Collect authorized receivables electronically.
  • Reduce reliance on paper checks for routine transactions.
How it helps

A better rhythm for routine payments

ACH works well when payments or collections repeat. It helps your team spend less time preparing checks and more time managing the business behind the payments.

  1. 1

    Prepare ACH files or transactions through your approved business banking setup.

  2. 2

    Submit payments or collections for processing.

  3. 3

    Review activity and keep payment records organized.

Ready to talk through ACH Origination?

Tell us what you are trying to improve, and we can help you identify the Treasury Management services that fit.

Contact usView all services
← Back to all Treasury services
When timing matters

Wire Transfer Services

Move funds when speed, finality, clear instructions, and verification are important.

Talk with usView all services

Send important payments with confidence.

Some payments cannot wait for the mail or the next routine payment cycle. Wire Transfer Services help your business move funds when timing and certainty matter, with security procedures that can include user approvals, Security Tokens, and callback verification when selected or required.

  • Move funds for time-sensitive business needs.
  • Use assigned access, initiation, approval rights, and transaction limits.
  • Support domestic and business-critical payment activity.
  • Complete additional verification when required by your established Security Procedures.
How it helps

A practical tool for urgent or larger payments

Wires are best used when the payment needs a higher degree of speed or finality. We can help you understand where wire transfers fit within your broader payment process.

  1. 1

    Collect complete wire instructions before starting.

  2. 2

    Initiate the wire through Digital Banking using the rights assigned to your user.

  3. 3

    Complete any required approval or verification steps before the wire is processed.

Ready to talk through Wire Transfer Services?

Tell us what you are trying to improve, and we can help you identify the Treasury Management services that fit.

Contact usView all services
← Back to all Treasury services
Protect outgoing checks

Positive Pay

Add a review step to help prevent unauthorized checks from clearing your business account.

Talk with usView all services

Put more control around check fraud risk.

Check fraud can be costly and disruptive. Positive Pay helps your business review exception items and make informed pay or return decisions before suspicious checks clear the account.

  • Match checks presented for payment against issued check information.
  • Review exceptions through online access.
  • Help reduce exposure to unauthorized or altered checks.
How it helps

A daily control for a real business risk

Positive Pay works best as part of a broader account security routine. It gives your team a structured way to review check activity and respond when something does not match.

  1. 1

    Upload or maintain issued check information.

  2. 2

    Review exceptions when items do not match.

  3. 3

    Make pay or return decisions within the required review window.

Ready to talk through Positive Pay?

Tell us what you are trying to improve, and we can help you identify the Treasury Management services that fit.

Contact usView all services
← Back to all Treasury services
Accept more ways to pay

Merchant Services

Give customers convenient payment options through our merchant services relationship with Celero Commerce.

Talk with usView all services

Make it easier for customers to pay you.

Customers expect convenient ways to pay, whether they are in person, online, on the go, or over the phone. Through our relationship with Celero Commerce, we can connect your business with payment solutions designed to simplify operations and support a better customer experience.

  • Accept card and electronic payments across more customer touchpoints.
  • Explore payment solutions tailored to your industry, workflow, and growth plans.
  • Use reporting and payment tools that help you understand transaction activity.
How it helps

Powered by Celero Commerce

Celero centers its merchant services around high-tech, high-touch payment solutions, customizable programs, advanced payment technology, dedicated support, and tools that help small and mid-sized businesses streamline payment operations.

  1. 1

    Talk with us about how your customers pay today.

  2. 2

    Review payment acceptance options available through Celero Commerce.

  3. 3

    Choose solutions that fit your business model and customer experience.

Celero Commerce

High-tech payment solutions with dedicated support.

Celero Commerce focuses on customizable payment services, bundled solutions, advanced payment technology, reporting, and support for small and mid-sized businesses.

  • In-person payments
  • Online payments
  • Virtual terminals
  • Contactless payments
  • Point-of-sale systems
  • Reporting tools
Visit Celero CommerceTalk with us

Ready to talk through Merchant Services?

Tell us what you are trying to improve, and we can help you identify the Treasury Management services that fit.

Contact usView all services