Take Control of Cash, Risk and Operations With Tailored Products

Treasury Management Solutions For The Modern Organization

You need more than off-the-shelf financial tools for your company — you need bespoke solutions that match your complexity and scale. Western Alliance Bank has your back with a full suite of deposit and cash management products. We work closely with you to streamline cash flow, reduce risk and bring clarity to your financial operations. With the right mix of technology and personal support, you stay in control and ahead of what’s next.

    Receivables

    Receivables

    Strong cash flow starts with getting paid quickly and reliably. We help you simplify the receivables process with tools that speed up collections, reduce manual work and keep your operations running smoothly.

    • Faster access to funds
    • Streamlined processing
    • Improved reconciliation with reduced manual effort
    • Greater visibility into cash flow

    ACH Origination

    Initiate direct debits from your customers’ accounts to accelerate collections and improve cash application accuracy in your receivables system.

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    Wire Transfer

    Securely receive domestic and international wire transfers, including non-USD currencies, with funds typically available as soon as they arrive.

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    Cash Vault

    Reliable armored courier services securely pick up cash, coins and checks for deposit — and deliver the cash your business needs to operate smoothly.

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    Lockbox

    Ideal for managing high volumes of cash and check payments, our flexible lockbox solution helps reduce exceptions, streamline posting with automated data capture and lower collection costs.

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    Merchant Services

    Accept credit and debit payments with ease, choose from flexible processing equipment options and customize processing through multiple authorization networks to fit your business needs.

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    Remote Deposit

    Accelerate check deposits by scanning and submitting them electronically — or send an Image Cash Letter (ICL) file if you manage your own lockbox, saving time and trips to the bank.

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    eZePay

    Keep cash flowing with a streamlined receivables platform that makes it faster and easier to manage and collect payments.

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    Real-Time Payments

    Get paid instantly with 24/7 transaction capability that delivers funds directly to your account for fast, seamless settlement.

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    Payables

    Payables

    Simplify how you manage outgoing payments with solutions that bring control, efficiency and security to every transaction. From payroll to vendor disbursements, our payables tools help you reduce manual work, improve accuracy, and protect against fraud.

    • Flexible payment options including ACH, wire and check
    • Built-in fraud protection tools
    • Streamlined approval workflows and better audit control
    • Greater payment visibility and tracking

    ACH Origination

    Make electronic payments that are accurate, cost-effective and data-rich. For maximum flexibility, we support multiple ways to deliver your payment instructions.

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    Wire Transfer

    Easily and securely send domestic, international and non-USD wires, ideal for large payments that need to be available immediately.

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    Payroll Cards

    Save time and money when you pay employees electronically with the paperless Skylight PayOptions Payroll Card Program.

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    Payroll Services

    Solutions that simplify employee compensation and HR tasks, from salary calculation and payments to tax withholding and benefits.

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    Online Bill Pay

    Easily pay bills and vendors online or via mobile app, simplify ACH payments, and schedule one-time or recurring payments up to a year in advance.

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    Banking APIs

    Digitally manage your payables with open-banking APIs that seamlessly integrate with your systems to let you retrieve transaction history, access check images, initiate transfers and stop payments.

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    Positive Pay

    Positive Pay

    Protect your accounts from fraud with automated tools that verify transactions before they post. Positive Pay helps you catch unauthorized or altered payments early, giving you greater control and peace of mind.

    • Automated detection of check and ACH fraud
    • Reduced risk of financial loss and business disruption

    Check Positive Pay

    Prevent check fraud with services that help detect and stop fraudulent or altered checks before they clear.

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    ACH Positive Pay

    Protect your accounts from unauthorized ACH debits and electronic payments, reducing the risk of fraud before it impacts your bottom line.

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    Information Reporting

    Information Reporting

    Get a clear, timely view of your accounts with reporting tools that help you track transactions, simplify reconciliation and access statements when and how you need them. With digital delivery and automated matching, staying on top of your cash position has never been easier.

    • Real-time and intraday balance and transaction reporting
    • Streamlined reconciliation with detailed reports and eStatements

    Account Reconciliation

    Match issued and cleared transactions to quickly spot discrepancies and maintain accurate balances. This simplifies month-end processes and strengthens internal controls.

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    eStatements

    Paperless statements are secure and convenient, reducing fraud risk and making account information more easily accessible.

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    Liquidity Management

    Liquidity Management

    Optimize your cash and make every dollar work harder with tools that centralize balances and automate movement between accounts. Reduce idle cash and streamline how your money works for you.

    • Automatic fund transfers to centralize or allocate balances
    • Improved cash utilization without manual intervention

    Sweep Services

    Automate fund transfers between accounts to simplify cash consolidation and maximize interest income. Our sweep services help ensure your excess balances are always working for you.

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    Zero Balance Accounts

    Automatically move funds between accounts each day to maintain preset target balances, avoid fee accrual, reduce idle funds and simplify reconciliation.

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    Banking Tools Tailored for Commercial Businesses

    Online & Mobile Banking

    Wherever you are, you can stay connected to your accounts. With powerful online and mobile banking tools tailored for commercial businesses, you can securely manage balances, approve transactions, monitor activity and access key treasury functions anytime, from anywhere.

    Key features include:

    • Real-time access to balances, transactions and check images
    • ACH and wire origination with multi-user controls
    • Mobile approvals for payments
    • Role-based permissions and customizable alerts
    Business Online Banking
    A businesswoman completing banking transactions on her laptop

    Connect with Our Treasury Management Team

    Ready to explore solutions customized for your business? Our experienced Treasury Management professionals are here to help you identify the right tools to optimize your cash flow, streamline operations and mitigate risk. Reach out to our team to get started today.

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    Why choose Western Alliance Bank?

    We offer business banking that’s different. When you bank with us, you’ll benefit from a highly personalized experience, a range of tailored solutions that fit your business needs and unmatched access to senior management. We have deep local roots and are committed to building relationships. Our entrepreneurial spirit attracts experienced business and commercial banking experts who share one common goal: to help our customers succeed.

    Discover the Difference

    1. All offers of credit subject to approval. Some products and services may be subject to prior approval or fees. Please contact a Treasury Management Advisor and Relationship Manager for additional details that may apply based on products and services selected.