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Treasury Management Services

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Treasury Management: Your Tools for Success

Cash Flow Management
Cash Flow Management

Quick and reliable management of your cash flows with products like: ACH Origination, Zero Balance Account Services, and Sweep Services.

Responsive Support
Responsive Support

No need to sit around waiting days on end for an answer. Our team is dedicated to saving you time and money. Need assistance? Call (863) 578-3650.

Fraud Prevention
Fraud Prevention

Keep your accounts secure with fraud prevention services such as: ACH Positive Pay and Check Positive Pay.

Streamline Deposits
Streamline Deposits

No need for tedious deposits, set your business accounts up with Express Deposits.

Manage Payments
Manage Payments

Manage your payments so they're always on time with our Wholesale Lockbox Service.

Easy Accessibility

Business Online Banking
  • Monitor account balances and transaction information online. Initiate wire transfers, internal (express) transfers, bill payments, and stop payments. View Positive Pay exceptions. Import Automated Clearing House (ACH) or Positive Pay issue files. Pay down or draw from your line of credit. All of this while sitting at your PC with secured Internet access.
  • Read more about our Business Online Banking here!
Business Mobile Banking with Mobile Deposit 
  • Business Mobile Banking allows for banking at your convenience, whenever and wherever you want, right from your mobile device. Business clients enrolled in Business Internet Banking, have the ability to access their business accounts and perform a variety of banking functions at a time that is convenient for them.
  • Read more about our Business Mobile Banking here!

Cash Flow Management

Automated Clearing House (ACH) Origination
  • Use ACH through our online banking platform to pay employees via direct deposit, initiate tax payments, make trading partner/vendor payments, concentrate deposits from remote locations, or collect payments from customers electronically.
Zero Balance Account Service
  • Reduce idle balances through the automatic consolidation of subsidiary account funds into a single master account.
Sweep Services
  • Automatically pay down or draw from your line of credit or invest funds in an interest bearing account.

Fraud Prevention

Check Positive Pay
  • Positive Pay represents a proactive approach to combating check fraud, with Bank of Central Florida and your business working together as a team. As an early warning fraud detection system, Positive Pay arms your business with the information needed to stop check fraud before it becomes a loss.
ACH Positive Pay
  • Control ACH debit fraud and unauthorized ACH debits by providing a list of those electronic transactions which are allowed to post. All other ACH debits will require authorization to post.

Streamline Deposits

Express Deposit

A Convenient Way to Deposit Checks from Your Place of Business

  • Express Deposit from Bank of Central Florida is designed for business clients who want to simplify their banking and save time. Using bank-supplied scanner equipment and secure software, you can easily scan checks right from your office. These check images are transmitted electronically to our central processing center, where they are processed and deposited into your account—no need for a trip to the bank..
Benefits:
  • Deposit checks without leaving your business
  • Streamline and consolidate your banking
  • Fast, secure check processing

Cash Vault Services

Secure and Efficient Cash Handling for Your Business

Our Cash Vault Services provide a safe and efficient way for your business to manage cash. Whether you need deposits picked up or change delivered, our service is designed to support your day-to-day operations with confidence.

Key Features
  • Secure Transportation and Handling: Professional, reliable service that protects your funds.
  • Next-Day Credit and Processing: Deposits are typically credited the next business day.
  • Flexible Scheduling: Choose pickup and delivery times that work for your business.
  • Cash Risk Reduction: Minimize the risks of handling large sums of cash.
  • Cash Deposit and Change Order Service: Schedule pickups for deposits and deliveries for change orders (coins or bills) based on your business needs.
Cash Vault Pro: Smart Safe Deposit & Change Order Service

Daily Deposits with Added Security and Convenience

  • With Cash Vault Pro, your business can securely deposit cash on-site using a smart safe. This smart safe is located within your business and allows for daily deposits. Our partner, Loomis, will pick up the cash on scheduled days, and credits will be posted to your account the next business day. You can also schedule deliveries for change orders.
Ideal For:
  • Businesses handling high volumes of cash
  • Daily cash-intensive operations
  • Those looking to streamline and secure cash flow

Manage Payments

Wholesale Lockbox
  • Reduce the mail time, deposit preparation time, and check collection time associated with accounts receivable processing.

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Receive meaningful responsive support from our local and highly experienced treasury team:

Miranda Pedersen
Miranda Pedersen

FVP | Treasury Management Leader

About Miranda

Linda Harkins
Linda Harkins

VP | Treasury Management Officer

About Linda

Justin Parker
Justin Parker

Treasury Management Officer

About Justin