Internet Explorer 11 is outdated. For improved security and optimized performance we highly recommend upgrading your browser. ChromeFirefoxEdge

Treasury Management

NEW BUSINESS ADVANTAGE CHECKING ACCOUNTCombines our best checking account features with our most popular Treasury Management Services.


Here. For Organizations Focused On Automation and Efficiency.

We’re here to help you work smarter. Helping the businesses, nonprofits and public entities we serve find ways to drive efficiency, increase accuracy and improve cashflow is what Treasury Management employees like best about our jobs.

Our fees are very competitive and designed to produce a Return On Investment for customers. Our service makes us the best value in the Cincinnati and Northern Kentucky region. 

Learn more about how we can help

Explore New Credit Card Options 

Subject to credit approval. Ask for details.


Automated Clearing House (ACH) Origination

Control payments and receivables through electronic funds transfer. Eliminate time-consuming tasks like writing and processing checks. Save money on postage and check printing. Quickly and efficiently process single and recurring payments. Transmit payroll, direct deposits and other disbursements.

Credit Cards 

Heritage Bank offers competitive business credit cards for small and mid-sized businesses and purchasing cards for mid-sized companies. 

Learn more

Subject to credit approval. Ask for details. 

Wire Origination

We can help you move money fast through domestic wires, ensuring same-day vendor payments. We also send international wires through foreign exchange.

Mobile Services

Bank App Logo

Enjoy all the same convenience of online banking from your smart phone or tablet.

If you are registered for online banking, go to your favorite app store, download the Heritage Bank Business app, and make the most of your mobile banking experience.


Mobile Deposit

Deposit checks from your smart phone or tablet.

Mobile Pay

Just follow a few simple directions for linking your Heritage Bank Business Mastercard® Debit Card to Heritage Mobile Pay to pay for everyday transactions without your wallet or a physical debit card.


Stay on top of your finances from anywhere with custom alerts. Monitor account balances and activity, receive deposit and withdrawal notifications and more. Best of all, select the notifications you want to receive and how you want to receive them (text or email).* 

*Carrier message and data charges may apply.


Merchant Card Services: Let us help you get paid with debit cards or with credit cards.

The demand for consumers and businesses to pay by credit card or debit card continues to expand, driven by the cash management advantages, convenience, portability and contactless pay. Let Heritage Bank Merchant Card Processing be the solution for your small or mid-sized business. Designed for your needs rather than retrofitted from an enterprise solution, Heritage Bank Merchant Card Processing offers a range of technology, including the payment options most popular with consumers and businesses. Processing fees are very competitive and customer service is excellent. Dual Pricing now available.

Learn more

Merchant Card Services Logo

Lockbox Collections

Increase efficiency and improve cash flow. Arrange for payments to be mailed to a Heritage Bank post office box. We’ll post the payments and credit your account the day received then send you copies of the invoice, envelope, check and all information contained in the payment envelope.

Positive Pay

Combat fraudulent activity by matching checks your business has issued against transactions posted to the deposit account. Upload checks via file or enter check details directly through Heritage Bank Online Banking.

Direct Connect

Perform all your online banking tasks directly within QuickBooks®. Contact your Heritage Banker to learn how to get started.

Remote Deposit / Merchant Capture

Deposit checks quickly and securely without a trip to a branch. Use a desktop scanner to deposit images of your checks directly into your account through a secure internet portal. 

Heritage Bank Cash Vault Services

Move cash to the bank safely. Secure cash at your place of business. Deposit cash remotely and access the funds before we receive the cash.

Meet The Team 

Nick Salsgiver  


 Nick Salsgiver

SVP, Public Funds Officer, Director of Treasury Management

Phone: 859-869-2942

Email Nick

Nick Salsgiver prides himself on building a Treasury Management Department rivaling Heritage Bank’s national competitors. In addition to a full suite of competitively priced services, Nick’s strategy is centered on service and the trust only relationships can foster. Like all the best community bankers, Nick has a knack for turning customers into friends. Helping customers become more successful, seamlessly integrating with their business banker and delivering on his promises is personal.

“I’m well suited to banking because the industry continues to innovate in response to technology, generational preferences and business needs,” said Salsgiver. “Banking is ever changing, and just like our business customers, we need to think on our feet.”

Nick and his wife grew up in Mansfield, Ohio but are firmly rooted in greater Cincinnati. Along with their two young sons, they enjoy traveling and favor Disney destinations at this point in their lives. Eventually, Nick hopes to travel to all 50 states. Whether at home or on the road, he is an avid golfer.

Visit Us Call Us Email Us Check Rates

Next Section

Back to Top