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Cash Management Solutions

Effective cash management starts with having the right tools in place. Citizens Independent Bank offers solutions designed to help businesses improve liquidity, simplify account management, strengthen controls, and gain greater visibility into daily cash flow.


Tools Designed to Help Your Business Stay in Control.

 

Whether you're managing multiple accounts, optimizing operating balances, or strengthening payment controls, CIB can help you build a cash management strategy that supports your business goals.






Managing Finances Online

Business Digital Banking

Access accounts, monitor activity, manage payments, and stay connected to your business finances anytime, anywhere.

  • Secure online and mobile access
  • Manage cash flow, payments, and account activity
Offsetting Banking Costs

Account Analysis

Put your balances to work with earnings credits that can help offset eligible checking and cash management fees.

  • Earnings credit based on collected balances
  • Helps reduce banking service costs
Multi-Location Deposits

Subaccounts

Keep operating accounts protected while simplifying deposits across retail locations, departments, or business units.
  • Deposit-only accounts with automatic daily sweeps
  • Helps reduce exposure of operating account information
Centralized Cash Management

Zero & Target Balance Accounts

Automatically move funds between accounts to maintain target balances and improve liquidity management.

  • Consolidate balances into a central funding account
  • Reduce idle cash and manual transfers
Payment Control & Security

Controlled Disbursement Accounts

Separate disbursement activity from operating funds while maintaining visibility and control over outgoing payments.

  • Just-in-time funding for approved transactions
  • Positive Pay integration for added protection




























































































































    Need Help Building Your Cash Management Strategy?

     

    Our team can help identify the solutions that best fit your organization's structure, transaction volume, and growth goals.

     

     
     
    We provide business banking, personal banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.