Efficient fund management and easy access

Operating Accounts

Interest and Non-Interest Accounts

Choose between accounts that earn interest on your balances or a managed investment account.

Next-Day Availability

Simplify daily collections with next-day availability on your deposits, ensuring your funds are accessible when you need them.

Monthly Account Analysis

Earn interest on excess investable balances and cover monthly service costs with earnings credits.

Collateralized Deposits

Products are available to provide an extra layer of security for your funds.

Streamlined Receivables and Payables

Improve efficiency with when managing receivables and payables.

Streamline your financial operations

Treasury Services

  • •  Immediate Payments: Need to make a payment right away? Our real-time settlement options ensure your funds are transferred quickly and securely.
  • •  Lockbox: Automate collection and posting of payments from your constituents with a secure lockbox.
  • •  ACH Origination: Securely disburse or collect funds with options for one-time, recurring, or same-day ACH payments.
  • •  Wire Origination: Send domestic and international wire transfers with customizable payment approvals and limits.
  • •  Fraud Protection: Protect your funds with services like Positive Pay, Check Watch, and ACH Filter and Block.
signing-treasury-documents

Tailored specifically for government needs

CommUNITY Credit Card

Generous Credit Lines

Designed for non-profits and municipalities, the CommUNITY card offers ample credit lines to help manage cash flow and expenses.

Employee Cards

Issue cards to employees with consolidated statements, making it easy to track all charges at a glance.

Expense Management Tools

Utilize award-winning tools to organize and track spending, ensuring efficient financial management.

Optional Rewards Program

Pool points into one central account, allowing your organization to maximize rewards.

Security Features

Benefit from EMV smart chip technology for added security and mobile purchasing for convenience.

Detailed Reporting

Access comprehensive reports that provide insights into spending patterns and help with budgeting and planning.

Robust Security Measures

Fraud Protection

Positive Pay

This service helps detect and prevent check fraud by matching the checks presented for payment against a list of checks you’ve issued. Any discrepancies are flagged for your review.

ACH Positive Pay

Set parameters for allowable ACH transactions to prevent unauthorized or erroneous activity. You can review and approve transactions before they are processed.

ACH Filter and Block

Specify criteria for ACH transactions you’d like to process, and block any unauthorized transactions from posting to your account.

Check Watch

Monitor checks for unauthorized transactions, providing an additional layer of security.

Real-Time Alerts

Receive immediate notifications of suspicious activity, allowing you to take swift action to protect your funds.

Customizable Fraud Prevention Plans

Tailor your fraud prevention strategy to meet the specific needs of your municipality, ensuring comprehensive protection.

Municipal Leasing

We offer tailored municipal leasing solutions designed to meet the unique needs of local governments. Our leasing options provide flexible financing for essential public projects, helping you manage cash flow and budget constraints effectively.

Portage High School in Porter County, Indiana

Municipal Loans

Our municipal loans are crafted to support the financial health of your local government. Whether you need funding for capital projects, infrastructure development, or operational expenses, our municipal loans offer competitive rates and flexible terms.

central-park-mishawaka-indiana

Customized Solutions

Every municipality is different, and we provide customized solutions to meet your specific requirements. From managing cash flow to handling large-scale projects, we’re here to help. Our team of experts will work with you to create a financial strategy that supports your community’s growth and stability.

elkhart-county-courthouse

Why Choose Us?

We understand the unique challenges of municipal finance. Our team is dedicated to providing tailored solutions that meet the specific needs of local governments.

Ready to learn more? Contact us today to find out how we can support your municipality’s financial needs.