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Treasury Management

Benefit from solutions that move at the speed of business.

Macatawa Bank has one of the largest and most experienced Treasury Management teams in West Michigan.  Our ten-member TM Sales and Service team has more than 185 years of banking experience.  The size and experience of this team ensures: 

  • The latest innovations in banking and financial services
  • Local, knowledgeable, and empowered sales and customer service 
  • Ability to customize cash flow solutions

Our structure ensures that the Treasury team at Macatawa Bank continues to develop products and services based on the actual needs of our customers and the feedback they provide.  

Explore our Treasury solutions and let us put together the perfect package of services for your business needs. Complete the form below and one of our Treasury Management specialists will contact you.

Receivable Solutions

  • ACH Collection Services
  • Cash Processing/Vault Services
  • Courier Service
  • Remote Deposit Capture
  • Lockbox Services
  • Merchant Services

Disbursement Solutions

  • ACH Disbursement Services
  • Purchasing Card
  • Corporate Credit Card
  • Wire Transfer Services

Automated Funds Management

  • Line of Credit (LOC)
  • Zero Balance Accounts (ZBA)

Fraud Protection Services

  • Check Positive Pay
  • ACH Positive Pay

Information Management

  • Business Online Banking
  • CD-ROM Archive
  • eStatements
  • Check Reconciliation
  • File Extract

International Services

  • Foreign Currency Services
  • International Drafts
  • International Wire Transfers

Receivable Solutions

  • ACH Collection Services – A process for initiating and scheduling electronic transfers for collecting funds from customers and other business accounts.  Examples include: Association/membership dues, charitable donations, insurance payments, etc.
  • Cash Processing/Vault Services – Loomis is available for secure processing of large cash deposits (over $5,000) and offers daily pickups with Cash Processing at their facility for next day posting. Loomis offers an online portal for customers to order their cash and coin orders which Loomis will deliver to your location.  
  • Courier Service – Macatawa Bank’s Courier Service offers a reliable way to transport deposits from your place of business to the Bank on a set schedule.  Using Cooks Courier service, banking items and cash deposits (up to $5,000) are picked up directly from your place of business Monday through Friday (excluding Holidays) and delivered to the nearest Macatawa Bank branch location in a sealed, tamper-evident bag to ensure same-day processing of items.
  • Remote Deposit Capture - Service which allows an authorized user to scan checks using a desktop scanner to make deposits electronically by converting images of checks and money orders into an electronic transaction that is sent directly to the bank for posting and clearing.
  • Lockbox Services- A receivables handling service the bank provides by maintaining a P.O. Box on your behalf.  Direct your customers and vendors to mail their payments to the P.O. Box where the bank handles the entire receivables process from mail collection to processing and imaging to depositing into your account.  Daily detailed reporting of lockbox deposit activity is also provided.  (Alliance Payment Solutions)
  • Wholesale – A lockbox characterized by a moderate number of large-dollar remittances, usually from company payers. (Commercial businesses)
  • Wholetail – a lockbox that handles both wholesale and retail payments, typically for companies that have both consumer and business customers with small and large remittances.
  • Retail – Lockboxes characterized by a large number of relatively small-dollar remittances.  Usually from consumers. (Cable companies, insurance, gas companies, etc.)
  • Merchant Services – With our strategic partner Vantiv, one of the top payment processors in the nation, we consult with large and small businesses to provide the latest payment processing technology solutions.  Our core Merchant Services portfolio includes credit and debit card acceptance, Point-of-sale solutions, fraud and data security, enhanced reporting, technology and 24-hours customer support (Vantiv).

Disbursement Solutions

  • ACH Disbursement Services – The automated scheduling of transfers for disbursing funds from your account to your employees, customers and other business accounts.  Examples include, direct deposit of payroll, tax payments, Vendor-to-business payments, and corporate contributions to 401ks, flex spending accounts etc.
  • Purchasing Card – Elan One Card is a complete travel and purchasing card solution that combines the functions and control of a purchasing card with the flexibility and power of a travel and entertainment (T&E) Card.  The One Card program allows you to issue cards to employees for routine, typically small dollar procurements.  Benefits include streamlined program management, card controls that include dollar limits, company limits, transaction limits and merchant category controls, flexible billing options, Visa Liability Waiver program protection, and an opportunity for rebates and no annual fees.
  • Corporate Credit Card 
    • Elan Visa Signature Company Card (Corporations, LLCs & LLPs) is designed for medium-size to large businesses
    • Elan Visa CommUNITY Credit Card is designed for Non Profit (Tax Exempt 501C) Organizations and Municipalities seeking an easier way to manage cash flow and expenses.   Corporate liability - No personal guarantees
    • Wire Transfer Services – Often the most expedient method for transferring funds bank-to-bank.  For bank-to-bank transfers that are conducted within the United States, the Fedwire system is used.  This system utilizes the Federal Reserve System and its assignment of bank routing numbers.  Clients may initiate domestic wire transfers online, via Macatawa Bank’s Business Online Banking or in person at a Banking Office.  

Automated Funds Management

  • Line of Credit Sweep (LOC) – Minimize your revolving Line of Credit with daily automatic pay downs and draws between your LOC and Business Analysis Checking account based on daily collected target balance
  • Zero Balance Account (ZBA) – Accounts with an automatic transfer to and from your master ZBA (funding account to cover all daily activity returning your disbursement account balances to zero.

Fraud Protection Services

  • ACH Positive Pay – Manage incoming ACH transactions via Macatawa Bank’s secure web-based solution. Protects Business accounts from unauthorized ACH transactions.  Automated email alerts notify users of any exception items that require attention.  Decision ACH items by paying or returning on a case by case basis.
  • Check Positive Pay – A service used to combat check fraud.  The bank pays only those checks with serial numbers and dollar amounts that match those in an issue file supplied by the company that is sent to the bank as checks are issued. 

Information Management

  • Macatawa Business Online Banking – Provides secure access to current and prior day account balance and transaction information with the ability to export data in various file formats for easy reconcilement. You can also view images of cleared checks, initiate online stop payments, access electronic bank and analysis statements, and transfer funds between your accounts. 

In addition, you will be able to initiate the following transactions right from your computer with a secure Internet connection:

  • ACH Origination: Initiate ACH debit and credit transactions including: direct deposit, personal and business payments and collections, vendor disbursements, and tax payments.
  • Account Transfers – Initiate same-day account transfers
  • Stop Payments – Initiate or cancel stop payments
  • Wire Origination – Initiate domestic wire transfers
  • Mobile Banking – In a mobile friendly environment, Business Online Banking users have the optional feature to access transaction history, transfer between accounts or approve ACH & wire transfers.  In addition, Mobile Capture is available for single-check deposits.  Additional fees apply. 
  • CD-ROM Archive - Easy-to-use storage and retrieval system that provides images of bank statements, checks paid, deposit tickets, and deposited items.
  • eStatements - Optional electronic bank statements available via Business Online Banking.  Enrollment required.  Eliminates mailed paper versions. 
  • Check Reconciliation – The Check Reconciliation Summary report is used to assist in balancing online account balances with a customer statement.  The report displays an activity summary of newly issued checks, paid checks, and stopped/voided checks.  The report also provides a total of outstanding checks as of the reconciliation date.
  • File Extract – Service that allows clients to download a file of cleared transactions in BAI (Bank Administration Institute) or excel file format for reconciling to their accounting system.

International Services

  • Foreign Currency Services (Travelex) – Sale and purchase services are available to Macatawa Bank customers only and must be requested through a branch FX Specialist.  
  • International Drafts – Drafts are used to send money to a foreign country and are issued in that country’s currency.  Drafts are paper items which must be requested through your branch.
  • International Wire Transfers (WUBS) - Most International, country-to-country transfers are executed using the SWIFT (Society for Worldwide Interbank Financial Telecommunication) system. Clients may initiate international wire transfers online, via Macatawa Bank’s FX Wire system or in person at a branch location.  

Getting started with Remote Deposit Capture is easy. Put one of the most experienced Treasury Management teams in West Michigan to work for your business.

Lockbox Services

High tech. High touch.
Highly valued local service.

Macatawa Bank’s Lockbox Service provides your business with a West Michigan Post Office Box to which your customers mail their payments -- the local PO Box supports your local business image. The Bank handles the entire receivables process for you, from mail collection, processing and imaging, to depositing and reporting. Deposits are made the same day to your account, and payment data and images are available for online review and electronic posting. An image archive system provides electronic storage for convenient information retrieval.

Retail Lockbox
Expedite collections for retailers, utilities and municipalities with high volume, low dollar payment amounts.

Wholesale Lockbox
For businesses with low volume, high dollar payment amounts, get enhanced data capture of remittance information.

Wholetail Lockbox
A hybrid lockbox that provides the automation, speed and efficiency of a retail lockbox, while meeting the specialized processing requirements of a wholesale lockbox. Designed for businesses with high volume and low dollar payment amounts.

Courier Service 

Keep your nose to the grindstone.
We’ll run to the bank.

You’re busy running your business. You may not have the time to run to the bank. Let us do the driving so you can stay focused on moving your business ahead. With Courier Service, our reliable and professional couriers will come to you, and deliver your deposits to the bank for same day processing. Banking items and cash deposits* are picked up directly from your place of business, Monday through Friday (excluding Holidays). Our couriers will deliver your deposits to the nearest Macatawa Bank branch or a centralized processing center in a sealed, tamper-evident bag to ensure same-day processing of items. 

*Daily deposits of $5,000 or less.

Cash Processing
Visit any Macatawa Bank branch to take care of your cash or coin needs.  Branches can provide the flexibility your business needs to handle most of your currency and coin deposits and orders.

Transaction Risk Management 

Mitigate your exposure to fraud.

Financial losses from check fraud reach into the billions each year and affect companies of all sizes. In addition, the increasing volume of ACH payments means an increased potential for ACH fraud. To curb this activity, companies should make Positive Pay and ACH Monitoring an integral part of their day-to-day banking responsibilities. Macatawa Bank’s Transaction Risk Management Services provide your company with comprehensive fraud detection and check management systems, offering Positive Pay, ACH Monitoring, Check Reconciliation, and File Extract Services. 

  • Online pay/return decisioning
  • Automated emails of exception notification
  • Check image integration
  • ACH transaction monitoring services
  • Real-time teller line integration
  • Data mapping feature for issued check file
  • Comprehensive account reconciliation reporting features


Positive Pay
Our secure web-based Positive Pay solution lets your company electronically submit issued check files, manually input or void issued items, and make daily pay or return decisions for exceptions. In addition, the reporting application provides an online account reconciliation feature and file-extract services. The integrated data mapping utility allows Macatawa Bank to accept issued check file formats that are native to your payables system, thus virtually eliminating custom interfaces. Integration with the bank’s teller system also provides teller-line Positive Pay features, a front line defense against check fraud.
ACH Positive Pay 
Protect your company from unauthorized ACH transactions. Our secure web-based solution allows you to manage incoming ACH transactions on a case-by-case basis. Automated email alerts notify you of any exception items that require your attention. 
ACH Monitoring 
Automated email alerts notify you of any unauthorized check and ACH activity. ACH Monitoring allows your company to define ACH filter rules at the account level to monitor ACH transactions. Your company will be able to act quickly on any unauthorized ACH transactions.

How it works

The nightly account reconcilement process automatically alerts your company by email if exception check items or ACH items are present. On-line exception management tools enable you to make pay/return decisions via the web for check and ACH exceptions. You can make decisions, view images of checks or ACH in question, analyze reconcilement reports, and submit electronic check issue files all via the web in a secure paperless environment.

Payments & Disbursements

Control how & when cash moves out of your company's accounts. 
We'll help you track  and manage your accounts and time your payments.

ACH Services

Streamline payments & reduce transaction costs with electronic ACH funds transfers.  Safely and securely conduct important business payments including: direct deposit of payroll, payment collections, tax payments and vendor payments.

One Card Purchasing Card

Consolidate and manage all of your credit card programs with one process, one card issuer, and one monthly invoice.  With a single card account that combines travel & entertainment, procurement and fleet features for simplified management and maximized savings, our MasterCard® One Card Solution allows your business to control and efficiently manage corporate expenses.

Wire Transfers

Quickly and easily originate one-time or recurring domestic and international wire transfers via our secure online banking service options.

Account Reconciliation

Reduce transaction account balancing time with our online account reconciliation services.  Access deposit activity, electronic transactions, paid & outstanding check transactions at your convenience.

International Services

Macatawa Bank's online International Payment Desk offers you the ability to get real-time quotes and to initiate wires with the click of a mouse.  This web-based application allows you to conduct quick, secure, and efficient international transactions.  

Fraud Services

Help protect your business against fraud with tools and services geared toward early detection and prevention.

Positive Pay

Safeguard your funds and help prevent fraud with early detection of altered or unauthorized checks.  Macatawa Bank's positive pay service puts you in charge of payables by giving you complete control over which checks are paid and which are held for review.

ACH Positive Pay

Protect your company from unauthorized ACH transactions.  Our secure web-based solution allows you to manage incoming ACH transactions on a case-by-case basis.  Automated email alerts notify you of any exception items that require your attention. 

ACH Monitoring

The increase in volume for electronic payments for a business inherently increases the potential for ACH fraud.  Become more diligent in monitoring your ACH activity simply and effectively with our ACH monitoring services.  

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While the products, services & suggestions contained within this page are designed to defer fraud and theft, there is no guarantee for prevention of loss.  Macatawa Bank does not promise any particular results and shall not be held liable for any damage or loss incurred in conjunction with using said products, services or suggestions. 

Sweep Services 

Streamline your daily cash management process.
Use automated services and centralize control with these services.

Sweep Accounts
Automatically sweep excess balances from your checking account into an investment vehicle, eliminating time and expense to manually analyze daily cash positions.

  • Business Advantage Money Market Sweep
  • Investment Sweep
  • Insured Sweep

Zero Balance Accounts
Maximize the use of your funds and eliminate the need for account transfers with  zero balance accounts. Automated transfers to and from your linked accounts provide centralized control and efficient management of funds.

Why Use Macatawa Bank’s Zero Balance Account?
Macatawa Bank’s Zero Balance Account (ZBA) service eliminates idle cash balances and optimizes interest income potential by automatically transferring funds at the end of each business day to or from a master concentration account. This enables your business to simplify your daily cash management processes without the need for daily internal bank account transfers. Consider a ZBA account structure if your company frequently transfers funds between accounts or, if you maintain multiple disbursement or depository accounts.

Product Description
Macatawa Bank’s Zero Balance Account (ZBA) service consolidates balances from multiple subsidiary accounts into a single master concentration account. This enables your business to continue to segregate the collection or disbursement of funds, making the daily management of balances in your subsidiary accounts more efficient. Any number of subsidiary accounts can be linked to the master concentration account making funds consolidation easier. Zero balance transfer activity is easily tracked with detailed monthly account statements or via Business Online Banking

How it works
At the end of each business day all transactions are posted to their corresponding accounts. Excess collected funds are automatically transferred to or from the subsidiary account to the master consolidate account bringing the subsidiary account balance to zero at the end of each business day. This eliminates the need for daily internal bank account transfers saving you time and money

Merchant Services 

Go beyond the basics with a comprehensive payments solution. 

There’s no business quite like yours. Don’t accept off-the-shelf merchant services. You constantly adapt to market and customer demands in order to grow your business. You demand the best from your business and look for ways to move it to the next level. You seek ways to differentiate your brand from your competitors and rise above status quo. Don’t settle for standard merchant service solutions. You deserve better.

Through our partnership with Vantiv, Macatawa Bank offers you a comprehensive Merchant Services Program that goes beyond the basics. 


Credit card acceptance
Accept payment cards no matter what your customers use. You’ll have access to all of the major card networks, including Visa®, MasterCard®, Discover®, and American Express®. You can also process Fleet and Commercial cards – including Level II and Level III data transmission.

Debit card acceptance
Customers appreciate the simplicity and convenience of debit cards.  Enable these purchases with dependable, secure debit card services.  Vantiv is the nation’s largest processor of online PIN debit transactions*, so you can take advantage of the infrastructure of a true payments leader.
*Source: The Nilson Report, March 2013 


Mobile payment acceptance
Isn’t it time your cash register did more than just ring up a sale? Ask us about our affordable, tablet-based, cloud-connected mobile point-of-sale (POS) solution. Manage inventory, track sales, market to customers and process sales – anytime, anywhere. Or, download our mobile app and combine it with our mobile card reader so you can quickly and securely swipe any U.S.-issued credit, debit or prepaid card for processing on a smartphone or tablet. This product is perfect for small and medium-size businesses that do cash and check transactions today, but would benefit from the ability to accept card payments at the time of service.


Electronic check services
You can offer several electronic check processing options that provide real-time authorizations and fewer check-processing hassles.  Check services that can help you:

  • Reduce the risk of fraud, returned checks, and non-sufficient funds notifications. 
  • Reduce check processing costs. 
  • Increase back-office efficiencies.

Gift card programs
Gift card programs can increase sales, improve cash flow, and project your brand. You’ll have access to a program with multiple transactions types, flexible program controls, and cardholder and merchant support features to ensure you get the most out of your gift card program. 

Online reporting capabilities
You’ll have access to a secure, online portal that helps you manage your accounts 24-hours-a-day, seven-days-a-week. It’s a quick, secure, easy-to-use tool that can help you reconcile merchant accounts, respond to chargeback notices, research customer transactions, and more.
Recurring payment solutions
As a transaction, recurring payments let cardholders authorize you to periodically bill their payment card for recurring goods or services.
Electronic Benefit Transfer (EBT)
Support all EBT card forms – SNAP, Cash Benefit and WIC – using the same equipment and processing systems as you do for credit or debit, offering EBT cardholders complete point-of-sale convenience.

Data security programs
We understand that card data security can be intimidating, especially for smaller merchants. Get peace of mind with our EMV (“Chip Card” or “Smart Card”) solutions, online data security tools, products and resources to help protect your business and your customers’ identities. Our extensive security includes:

PCI Assist
Our merchant services partner Vantiv has partnered with Trustwave®, an industry leader in information security and compliance, to help you simplify the process with PCI Assist. PCI Assist walks you through the process step by step and provides tools and best practices to help keep your business secure.

Breach Assist 
No matter what steps you take, there is no such thing as 100 percent security. What if a breach were to occur? Our Breach Assist program protects you from certain financial losses that can result from a suspected or actual cardholder data breach at your business.

When it comes to mitigating security breaches, point to point data field encryption provides a solid layer of added protection. With state-of-the-art encryption technology, data is encrypted at the point of entry, making it unusable to thieves and hackers.

Tokenization replaces card data with a substitute value—a token—that is useless to criminals who may be attempting to steal data. Tokenization helps eliminate the storage of card data to reduce the risk of a data breach and protect merchants from financial and reputational harm.

Ready to talk to an expert about the best tools to help grow your business?

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