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

Treasury Management Services | 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.

Choose the service you want to explore, or start with Business Online Banking if you are building your Treasury setup from the ground up.

Business Online BankingManage accounts, transfers, users, payments, alerts, and cash management activity from one secure starting point.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 consultationStart with Business Online Banking
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Your operating center

Business Online Banking

Run daily banking with the access, visibility, and control your business needs to keep moving.

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Keep daily banking close to the work.

You need fast access to account information without stepping away from your business. Business Online Banking gives you a secure place to review activity, manage routine transactions, and connect to the cash management tools your team uses most.

  • View balances and recent activity when you need answers.
  • Transfer funds, place stop payments, and support routine account management.
  • Add business controls such as user access, limits, and review workflows.

Good fit when daily account access is slowing you down.

Business Online Banking is the foundation for most Treasury relationships because it gives you a dependable place to see activity, manage permissions, and keep routine banking from pulling you away from the work in front of you.

  • You want employees to have the right access without sharing one login.
  • You need a clearer view of balances, transfers, and recent activity during the day.
  • You are preparing to add tools like ACH, Business eDeposit, Positive Pay, or wires.
Education Center

Tutorial

Explore the Business Online Banking walkthrough.

Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

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Deposit checks without the bank trip

Business eDeposit

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

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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.

Good fit when checks still matter, but branch trips do not.

Business eDeposit helps bring check handling into your regular office workflow. Instead of setting aside time to drive deposits in, your team can prepare and submit deposits from where the checks are received.

  • You receive checks at an office, storefront, or multiple business locations.
  • You want a more consistent deposit process across employees or departments.
  • You want to spend less time preparing deposits and making branch trips.
Education Center

Tutorial

Explore the Business eDeposit walkthrough.

Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

Contact us
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Electronic payments and collections

ACH Origination

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

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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.

Good fit when the same payments happen again and again.

ACH Origination can make recurring payment activity easier to manage. It is especially useful when your business needs a repeatable process for payroll, vendor payments, dues, rent, fees, or customer collections.

  • You send payroll or recurring vendor payments.
  • You collect authorized payments from customers or members.
  • You want fewer paper checks and a cleaner electronic payment process.
Education Center

Tutorial

Explore the ACH Origination walkthrough.

Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

Contact us
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When timing matters

Wire Transfer Services

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

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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 a process designed for clear instructions, account control, and a call-back verification for every wire.

  • Move funds for time-sensitive business needs.
  • We call back to verify every wire before processing.
  • Support domestic and business-critical payment activity.
  • Pair with online access and controls to keep your payment process organized.

Good fit when the payment needs extra attention.

Wire Transfer Services are built for higher-priority situations where timing, instructions, and verification matter. We call back to verify every wire, giving your business another layer of confirmation before funds move.

  • You need to send a time-sensitive or business-critical payment.
  • You want a process that includes clear instructions and call-back verification.
  • You need a payment option for situations where ACH or checks are not the right fit.

Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

Contact us
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Protect outgoing checks

Positive Pay

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

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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.

Good fit when check fraud risk needs more control.

Positive Pay gives your business a practical checkpoint between issued checks and items presented for payment. When something does not match, you have a chance to review the exception before a decision is made.

  • You issue checks and want stronger protection around altered or unauthorized items.
  • You want exception review built into your normal banking routine.
  • You need a fraud-control tool that supports your existing check process.
Education Center

Tutorial

Explore the Positive Pay walkthrough.

Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

Contact us
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Accept more ways to pay

Merchant Services

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

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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.

Good fit when payment options affect the customer experience.

Merchant Services can help your business meet customers where they are ready to pay. Through Celero Commerce, we can help you explore payment solutions that support in-person, online, mobile, and card-based transactions.

  • You want to accept more payment types at the point of sale or online.
  • You need payment tools that fit your industry and daily workflow.
  • You want reporting and support that help simplify payment operations.
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
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Want to see if this fits?

Tell us what you are trying to improve. We can help you decide what belongs in your Treasury setup.

Contact us