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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.

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

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.
How it helps

A stronger base for Treasury Management

Business Online Banking is often the starting point for a broader Treasury Management setup. From there, you can add services that help with deposits, ACH payments, wires, and fraud prevention as your business needs grow.

  1. 1

    Start with secure online access to your HCN business accounts.

  2. 2

    Add the cash management tools your business needs.

  3. 3

    Use role-based access and review steps to help keep activity organized.

Education Center

See how it works

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

Ready to talk through Business Online Banking?

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

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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.
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.

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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.
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.

Education Center

See how it works

Take a quick tour of ACH Origination and the tools available inside the experience.

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.

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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.
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

    Submit the request through the approved channel for your business.

  3. 3

    We call back to verify the wire request before processing.

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.

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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.
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.

Education Center

See how it works

Take a quick tour of Positive Pay and the tools available inside the experience.

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.

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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.
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
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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.

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