Treasury Management: Secure Your Money and Protect Your Business

Treasury Management: Secure Your Money and Protect Your Business

Business fraud continues to rise nationwide, and small and mid-sized businesses are increasingly at risk. Heritage Bank's Treasury Management Services are designed to help you secure your money, protect your business from fraud, and stay ahead of emerging threats. Our local team provides practical and proactive Treasury Management security tools, including Positive Pay and SecureAlerts, that work together to reduce risk while supporting safe, efficient money movement. With the right systems in place, you can run your business with confidence.

Fraud Prevention Starts with Awareness

Today's fraud schemes are sophisticated, and businesses of every size are potential targets. Small and mid-sized organizations are especially vulnerable because fraudsters often target check payments, account takeovers, and unauthorized withdrawals. That's why Heritage Bank takes a proactive approach to fraud prevention for business accounts.

We give business customers tools to guard against fraud and scams. Our Treasury Management team works closely with you to strengthen daily oversight, safeguard transactions, and support secure money movement across your accounts. Awareness is the first layer of protection, and we're here to help you stay one step ahead.

Positive Pay: Stop Fraud Before It Happens

Positive Pay is one of our most effective fraud detection tools for business banking security. Positive Pay verifies each payment against your authorized transactions, helping prevent check fraud, check washing, forgery, and unauthorized ACH withdrawals before they clear your account.

When transactions are presented, they are matched against your approved issue file. Any discrepancies, such as altered amounts or invalid check numbers, are flagged for your review. This adds a critical layer of ACH protection and payment control. Implementation is quick, and setup support is handled locally by Heritage Bank's Treasury Management team, ensuring you have guidance every step of the way.

 With Positive Pay, your business gains confidence knowing that every check and ACH item is validated against your records.

Cash Vault Services: Secure Your Physical Deposits

For businesses that manage significant cash volume, secure business banking extends beyond digital security; physical cash handling matters too. Heritage Bank's cash vault services help protect your deposits while improving efficiency and accuracy.

Our cash vault services support:

  • Armored transport and secure transfer of cash deposits
  • Verified deposit processing and reconciliation
  • Timely and reliable account crediting

By moving cash handling out of your storefront or office environment, you reduce risk while strengthening internal controls. These services are convenient, dependable, and designed to support business continuity.

Keep your business running smoothly while we keep your cash secure.

Digital Banking & SecureAlerts: Real-Time Protection

Our digital banking platform gives you powerful oversight across your business accounts, wires, and ACH activity, all in one place. SecureAlerts adds another layer of protection by delivering real-time text or email notifications based on your customizations the moment account activity occurs.

You choose what to monitor. You can receive alerts for withdrawals, deposits, balance changes, ACH activity, and transaction exceptions. This provides instant visibility into your cash position and adds control over daily account movement.

With SecureAlerts and Treasury Management tools working together, you'll always know what's happening with your accounts in real time, supporting stronger digital banking security, account monitoring, and business fraud protection.

Digital Banking & SecureAlerts: Real-Time Protection

Protect Your Business Today

Heritage Bank is committed to helping businesses strengthen security, reduce risk, and manage money with confidence. Our Treasury Management specialists provide personalized guidance for businesses of all sizes, from local startups to established organizations.

To learn how our secure business banking solutions can support your operations — including Positive Pay, Cash Vault Services, and SecureAlerts — call Nick Salsgiver, SVP of Treasury Management, at (859) 869-2942 to get started.

 Schedule a consultation, request a security review, or connect with our team to protect your business today.

Additional Resources