Business solutions & treasury management
Treasury management solutions.
Your organization runs best when cash flow is optimized, payments are streamlined, and every dollar is working for you. OnPoint’s treasury management tools are built to do exactly that — with solutions tailored to your business’s working capital, liquidity, and operations.
Explore our treasury management services below, or talk to a specialist to find the right fit for your business.
ACH services.
Send and receive payments electronically — faster, more affordable, and more secure than paper checks.
Check and ACH Positive Pay.
Verify payments before they clear — flag unauthorized checks and ACH transactions for your review.
Commercial online banking.
Manage accounts, payments, fraud controls, and more — all in one secure 24/7 platform.
Remote deposit capture.
Deposit checks anytime by scanner or mobile device — no branch visit needed.
Premium sweeps.
Automate fund transfers to maximize returns, pay down credit, or eliminate idle balances — three solutions, one smart strategy.
Merchant Services.
Accept payments with confidence using secure, flexible merchant services designed to help your business process transactions quickly and efficiently.
ACH services
OnPoint’s Automated Clearing House (ACH) service gives your business a secure, cost-effective way to send and receive payments electronically. Through our Digital Banking platform, you can pay employees and vendors, collect receivables, and eliminate paper checks — improving cash flow and reducing administrative hassle.
Saves money.
ACH transactions cost less than paper checks — less printing, mailing, and manual handling.
Improves cash flow.
Schedule payments and collections with confidence — predictable timing, every time.
Enhances security.
Reduce fraud risk — no lost checks, no exposed account details in the mail.
Reduces errors.
Automation limits manual entry mistakes and keeps records accurate and on schedule.
Simplifies reconciliation.
Clear records and predictable timing make back-office reconciliation straightforward.
Boosts efficiency.
Spend less time on check handling — from printing to mailing to tracking — and more time running your business.
Use ACH to make or receive both recurring and one-time payments, including:
- Direct deposits for payroll or consumer disbursements
- Collect receivables like rent, insurance premiums, or customer invoices
- Business payments to suppliers and partners
- Tax payments to federal, state, and local authorities
- Consolidate funds from other financial institutions
Check and ACH Positive Pay.
Check and ACH fraud are the leading causes of business payment losses — and prevention is far less costly than recovery. OnPoint’s Positive Pay services match your issued checks and authorized ACH transactions against those presented for payment, flagging any discrepancies before funds leave your account.
Prevent unauthorized payments.
Quickly identify and return checks or ACH debits that don’t match your approved list.
Reduce financial losses.
Catch fraud early — before it clears — rather than chasing reimbursement after the fact.
Control ACH activity.
Define rules for approved senders and get real-time notifications to approve or reject unfamiliar debits.
Simplify reconciliation.
Reduce mismatches and encoding errors — keeping your books clean and your team’s time protected.
Stay informed.
Receive early morning exception reports and same-day check images to review at your convenience.
Flexible team access.
Allow multiple authorized users to review and manage exceptions securely within your account.
Positive Pay works separately for checks and ACH — here's how each works:
- Check Positive Pay
Submit the details of each check you issue — payee, amount, check number, and date. As checks are presented for payment, our system matches them against your list. Any exceptions are flagged for your review, and you decide whether to pay or return each item. - ACH Positive Pay
Define your rules for approved and trusted senders. Any ACH debit that falls outside those rules triggers a real-time notification — giving you the control to approve or reject it before it processes.
Commercial online banking.
Take control of your business finances anytime, anywhere. OnPoint’s Commercial Online Banking platform gives you secure, 24/7 access to accounts, loans, lines of credit, and cards — with the tools to manage payments, prevent fraud, and stay on top of your cash position whether you’re at the office or on the go.
Fraud prevention built in.
Block payment fraud with Positive Pay and ACH Positive Pay — managed directly within the platform.
Multi-user and multi-entity access
Add authorized users with customized access levels. Manage multiple business entities under a single login.
Real-time visibility.
Monitor balances, set custom alerts, and export customized cash flow reports whenever you need them.
Instant fund transfers
Transfer funds between OnPoint accounts and loans in real time — no branch visit, no delays.
Payment controls and approvals.
Manage payment limits, set approval workflows, and maintain oversight of all outgoing transactions.
25 months of statements.
Access and download up to 25 months of account statements directly from the platform, anytime.
Advantage FlexSweep.
Idle cash doesn’t have to sit on the sidelines. Advantage FlexSweep automatically moves excess funds from your business checking account into an interest-bearing account, helping you earn more while maintaining the liquidity and protection your business needs. Funds remain accessible when you need them, and extended FDIC and NCUA insurance coverage helps safeguard balances over $250,000.
Why choose Advantage FlexSweep.
- Earn more on excess cash – Put surplus funds to work automatically with competitive daily interest earnings—without manually moving money between accounts.
- Extended deposit protection – Advantage FlexSweep helps protect balances beyond standard insurance limits by distributing funds through a network of participating banks and credit unions, providing coverage up to $50 million.
- Simplify cash management – Manage your funds through a single relationship with OnPoint, including consolidated statements and convenient 24/7 account access.
- Stay focused on your business – Automated transfers eliminate the need to monitor multiple accounts, helping you save time while maximizing earning potential.
How Advantage FlexSweep works
- Set your target balance
- Excess funds are automatically swept
- Earn interest while staying liquid
- Access funds automatically
Remote deposit capture
Your time is valuable. OnPoint’s Remote Deposit Capture (RDC) service lets you deposit checks quickly and securely from your desktop scanner or mobile device — no branch visit needed. Deposit on your schedule, wherever your business takes you.
Faster access to funds.
Improved availability and extended deposit cut-off times — scanner deposits made before 6pm PT are generally available the next business day.*
Lower costs.
Eliminate transportation costs and reduce staff time spent making in-branch deposits.
Enhanced security.
Encrypted transmissions reduce the risk of loss, theft, or fraud — and faster clearing means earlier notification of returned items.
Deposit anytime.
Nights, weekends, holidays — RDC works on your schedule, not branch hours.
7 years of deposit history.
Access and search deposit records and digital check images for up to 7 years from the date service began.**
Fewer errors.
Our system auto-balances your deposit — minimizing manual entry mistakes and lost checks.
Credit and debit card processing solutions.
We offer solutions for a variety of payment methods with simple processing and technology, allowing you to handle transactions quickly and accurately. Plus, with industry-leading security standards, we make sure your business — and your customers — are always protected.
Innovative technology
More convenient and secure payment options in-store, online, or remotely.
Mobile and contactless payments
Accept cards on smartphone or tablet with contactless and mobile payment support.
Fast funding options
Multiple funding options to get your funds when you need them.
Fraud mitigation
Manage risk, protect your business, and prevent loss if fraud occurs.
Payment optimization
Reduce costs on certain credit card payments and improve chargeback management.
Data protection
Encryption, tokenization, and PCI DSS compliance validation.
Business Services FAQs
OnPoint facilitates ACH debits, or the collection of funds from a customer's account to be deposited to your business account. ACH credits, or payments, are sent from your business account to the recipient's account.
As with most payment/collection methods, funding isn't without risk. A closed account, insufficient account funds, data errors or customers disputes can result in rejected or delayed funding.
No, ACH transfers are processed in batches in accordance with timelines established by the National Automated Clearing House Association, or NACHA, the group that oversees the ACH network. ACH credits are generally delivered within two business days and debits are processed by the next business day.
ACH, or Automated Clearing House, is an electronic payment alternative to using cash, cards or checks. The network allows money to move electronically between bank accounts securely and efficiently.
Daily and monthly processing limits are established when a business' service request is approved.
Keep your business running smoothly.
Review with a Business specialist
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Disclosures
* Deposits made with a scanner before 6pm PT are generally available the next business day.
** Deposit records and digital images are available for deposits made with a desktop scanner only, from the date service began.
