Cash Management

At Heartland Bank, we provide all of the right tools to help you manage your day-to-day business operations.

Heartland Bank Cash Management includes a wide array of products and services designed to help small businesses simplify the financial side of things. A company's workload is never-ending, so why not take something off your plate and let us carry the weight? With services ranging from checking and financing to help manage your accounts, Heartland Bank is the business partner you’ll benefit from the most.


We have a number of monetary collecting options to help you get your funds into the bank on your own schedule – so you can get to the job at hand.

Collecting Services Include:

  • Remote deposit: Skip the trip to the bank with deposits right from your desk.
  • Lockbox services: Save time by letting us process deposits for you.
  • ACH direct debit: Eliminate invoicing with electronic collection.
  • Merchant services: Give your customers more with specialized payment options.

Get more information on collecting services now.


As often as you take in payments, sometimes it seems like you pay out more. Use your time more efficiently by letting Heartland Bank help with the bills through several service options.

Disbursing Options Include:

  • ACH direct deposit: Keep it cost-effective with improved payroll options.
  • Online wire transfers: Send your money anywhere in the country – fast.
  • Business bill pay services: Business doesn’t stop at 5:00 with online bill pay.

Find out the facts on Heartland Bank disbursing services now.


When it comes to managing your business accounts, you need a strong partner to wade through all the financial muck. That’s why Heartland Bank designed a managing program just for small businesses.

Managing Services Include:

  • Commercial Account Manager: Meet CAM, the secure account management system.
  • Electronic Data Interchange Reporting: Check out EDI; it makes complicated payments simple.
  • Reconciliation Services: Stop balancing the books – let us do that for you.
  • CD Statements: Put the paperwork on pause with digital statements.
  • Fraud Prevention: Discover what Positive Pay, ACH Block, and ACH Filter can do for you.
  • Sweep Accounts: Let your money work for you with our lineup of Sweep Accounts.
  • Account Analysis: Get the right tools to manage the day-to-day.

Check into managing services now.

Other Business Services

If you're looking for a bank to meet your complete small business banking needs, take a look at our checking, financing, and savings options. Heartland Bank has everything you need and more.

To learn more about our Treasury Management Services, visit any of our convenient locations, or call our Treasury Management Services team today.

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