To ensure you're taking advantage of recent cutting-edge innovations, your advisor will analyze your vendor relationships and find smart solutions that are compatible with your accounting staff. Possible options include:

• ACH Processing¹
• AP Automation
• Bill Pay
• Wire transfers²
• Commercial Credit Card³
• Positive Pay
• ACH Filtering
• Zero Balance Accounts

The Bridge Bank implementation team will then execute on the plan and train your team to ensure the solutions are as effective as possible.

1. This functionality is based on the National Automated Clearinghouse Association (NACHA) 2017 rule adopting Same Day ACH Origination Solution as amended in 2020. Requires enrollment in Business Online Banking Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.

2. Funds deposited through the Wire Origination Module will follow Western Alliance Bank’s funds availability policy as outlined int eh Deposit Account Agreement Disclosure.

3. All offers of credit are subject to credit approval.

Through a collaborative effort with your team, your advisor will evaluate your operations and identify the most effective options for collecting receivables. Possible options include:

• Remote Deposit Capture¹
• Lockbox²
• ACH Collections
• eZePay³
• Merchant Services⁴
• Cash Vault
• Wire Transfers

The Bridge Bank implementation team will then execute on the plan and train your team to ensure the solutions are as effective as possible.

1. A Business Checking account required. Other related fees may apply. Some products and services may be subject to prior approval or fees.Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Funds deposited through Remote Deposit Capture will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.

2. Funds deposited through the Lockbox will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.

3. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Other related fees may apply. ACH collections subject to approval and deposit account requirements. Merchant services are provided by Heartland in agreement with Western Alliance Bank.

4. Merchant Services are provided by Heartland® in agreement with Western Alliance Bank. Merchants on certain processing programs are not eligible for next-day funding; funding may be delayed by Heartland’ Credit or Risk departments at any time. Heartland® is a federally registered service mark of Total System Services, Inc. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. All trademarks contained herein are the sole and exclusive property of their respective owners. Any such use of those marks without the express written permission of their owner is prohibited. Heartland Merchant Solutions is a registered ISO of Wells Fargo Bank, N.A., Concord, CA; Synovus Bank, Columbus, GA, First National Bank of Omaha, Omaha, NE; and Deutsche Bank, New York, NY for Visa and MasterCard transactions only. Heartland offers NFC enabled POS systems, but a POS upgrade is not necessary to enable merchant service payment processing.

Your advisor will conduct an in-depth analysis of your business and determine an effective solution to combat the substantial risks posed by cybercrime and check fraud. Possible options include:

• ACH Debit Block
• ACH Fraud Filter
• ACH Positive Pay¹
• Check Positive Pay
• Reverse Positive Pay

Our team will help you determine which solutions are best for protecting the business of your organization.

1. Requires enrollment in Business Online Banking. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.

Be bold, venture wisely. It’s a phrase spoken often at Bridge Bank, and it’s particularly relevant when it comes to Yield Solutions. You’re looking for tools that provide the best yield for excess corporate cash. Yet we’re well aware that simply looking for the highest yield isn’t necessarily the wisest solution.

By working with you in a collaborative effort, your advisor will develop an effective plan to optimize yield while balancing your objective for safety and liquidity. Among the tools we use to do that are:

• Bridge Bank Money Market Account¹
• Bridge Bank Certificates of Deposits
• Multi-tier sweep accounting²
• Investment services for excess cash³

Because business and economic environments are dynamic, periodic reviews are critical to maintaining effective and appropriate investment solutions. After implementing an initial excess cash strategy, your Treasury Management Advisor will meet with you periodically to make appropriate adjustments.

1. Withdrawal transaction limits apply. Refer to disclosures provided at account opening and the Schedule of Fees and Charges for additional information.

2. Each deposit account is eligible to deposit up to $250,000, or the Federal Deposit Insurance Corporation (FDIC) standard maximum deposit insurance amount (SMDIA), for each category of legal ownership per participating bank, as managed by a 3rd party program administrator. The total amount of FDIC insurance available for each deposit account is calculated by multiplying the SMDIA by the number of participating banks in the Program. There are currently more than 100 participating banks supporting the ability to offer a total amount of insurance of $25 million for sole owner accounts. If the balance in your account is greater than the FDIC insurance coverage in the program, any excess funds will not be insured, including balances you may hold directly or through other intermediaries including broker-dealers. To assure your FDIC coverage, please regularly review banks in which your funds have been deposited, and notify your bank immediately if you do not want to allocate funds to a particular bank or banks. See Program Terms and Conditions for additional information. This represents the current SMDIA for a deposit account owned by one person. Please visit www.fdic.gov for additional information on how deposit accounts are insured by the FDIC.

3. NOT FDIC Insured. NOT Bank Guaranteed. MAY Lose Value.

As your company grows, your need for information grows. You need timely and flexible methods to get the data you need on your cash position, cleared and pending transactions, loan balances and more. The ability to simplify account reconciliation by downloading data or even automate the transfer of data between the bank and your accounting platform becomes important.

Your advisor will help identify optimal information reporting solutions for your company, ensuring you have timely and flexible methods to get accurate data. Potential reporting tools include:

• eBanking Advanced Information Reporting
• Downloadable files in QuickBooks, BAI2 or other formats
• EDI reports for ACH transactions
• FTP file transfers
• Automated Data Exchange for multi-bank reporting

The Bridge Bank implementation team will then execute on the plan and train your team to ensure the solutions are as effective as possible.