treasury management solutions


Managing Payables

We give you better ways to track your outgoing funds, with advanced technology that streamlines payment processes. Solutions include:

Automated Clearing House (ACH) Credit Origination

Take advantage of the speed, accuracy and efficiency of electronic payment collection ACH Credit origination services. They enable your business to disburse payments and control your cash flow while lowering check processing costs and reducing potential fraud securely for a variety of consumer and commercial payment types.

Same Day Automated Clearing House (ACH)

To meet business needs in a fast-paced world, we offer Same Day ACH Payment Origination2 which includes ACH Credit Payment Origination. This service allows you to disburse payments and control cash flow more quickly and securely than ever.

Wire Transfers

Easily and securely originate USD domestic wire transfers and international wires, as well as non-USD international wires – ideal for making large payments that must be available immediately upon receipt. For convenience, we support multiple ways to provide wire instructions.

Commercial Credit Cards

The Western Alliance Visa® Commercial Credit Card program provides a robust solution enabling you to effectively manage and control your company’s payables and simplify expense reporting while saving you time and money. The Western Alliance Visa® Commercial Plus Credit Card adds ScoreCard Rewards to earn points on qualifying purchases that may be redeemed for cash back, travel, merchandise and more.

Payroll Card

Easily pay employees electronically while saving money and time with the Skylight Pay Options Payroll Card Program3. This 100% paperless payroll option is secure and convenient for your organization and employees.

Bill Pay

Pay vendors conveniently through our online banking or mobile banking services. This is a secure and easily accessible service for businesses with low monthly payment volumes to a small set of vendors.

Managing Receivables

Simplify operations and speed up the clearing process, ensuring that the payments you receive are deposited faster and more efficiently. Solutions include:

Automated Clearing House (ACH) Debit Origination

Take advantage of the speed, accuracy and efficiency of electronic payment collection with ACH Debit origination services. Automate your collection process and ensure timely receipt of payments from customers to improve your ability to forecast cash flow.

Remote Deposit Capture

Eliminate the need to visit the bank by scanning and depositing checks directly to your business checking account, using your computer and bank-approved scanner. The fast and secure service of Remote Deposit Capture is available 24 hours a day, seven days a week.

Image Cash Letter

Our Image Cash Letter (ICL) solution is designed to support processing a large number of checks while consolidating deposits. This product automates the preparation and delivery of check deposits, which can save you time and money, boost efficiency, expedite availability of funds and reduce processing costs.

Mobile Deposit

With the Western Alliance Bank Business Mobile app you have access to key banking capabilities 24/7 including depositing checks up to your daily limit. The maximum amount you can deposit per check will be displayed.

Lockbox Services

Lockbox provides you with a post office box, where payments sent to your business are retrieved, processed and deposited into your account daily. With Lockbox services, you can collect receivables quicker, reduce cost of in-house processing, improve cash flow, and gain audit control without a daily trip to the bank.

Cash Vault

Bonded, trustworthy armored car transport services pick up coins, cash and checks for deposit and drop off coins and cash for your business. With our Cash Vault services, you can be confident that your deposits will be transported securely.

Wire Transfers

Easily receive USD domestic and international wires as well as non-USD international wires. Funds are typically available upon receipt at the bank. Wire transfers are ideal for receiving large payments from anywhere in the world.

Merchant Services4

We offer state-of-the-art payment processing offered through our vendor, TSYS®, one of the nation's leading providers. Easily accept credit and debit cards, purchase or lease card processing equipment, and benefit from multiple authorization networks and transaction processing options to customize your needs.

Information Reporting & Liquidity Management

Convenient and customizable services and tools help you track and manage your business account information and funds—faster and easier than ever. Solutions include:

Mobile Banking

Easily access your banking needs 24/7 with the Western Alliance Bank Business Mobile app. Check your account balance, easily transfer money between your accounts, manage bill pay and make deposits.

Online Banking

Manage your financial business online with secure and easy to use customizable tools. Access, analyze and act on your cash and treasury information with exceptional financial control capabilities anytime, anywhere.

Account Reconciliation

Identify discrepancies and ensure accurate account balances with full or partial account reconciliation services.

Sweep Services

Simplify funds consolidation and eliminate manual funds transfers through an automated process that requires no monitoring. Sweep Services maximize interest income, reduce time spent manually managing funds, and lower your risk of account overdrafts.

Zero Balance Accounts

Reduce the risk of account overdrafts and save time by eliminating manual transfers with Zero Balance Accounts services. Daily account analysis helps redistribute funds automatically according to pre-established target balances.

eStatements

Go paperless to reduce fraud exposure, receive statements quicker and help the environment with online statements. Enroll in eStatements through Business Online Banking. If you are not already using Business Online Banking, contact us to enroll.

Fraud Protection

Keep your money, your information and your business safe from would-be thieves. Our services and software help prevent online payment fraud, as well as online account and identity theft. Solutions include:

ACH Positive Pay

Protect your business from electronic fraud with our ACH Positive Pay solution. Only electronic payments that you provide will be processed for payment. You will review all other pending debits on the account and any unauthorized ACH debits will be credited back to your account.

Check Positive Pay

Ensure that you only pay checks you have issued and only in the amount in which you issued the check with the Check Positive Pay solution. It is a secure and effective way to protect your financial assets by detecting potentially fraudulent check activity.

Add Check Payee Positive Pay to provide another layer of protection, as we also confirm the payee name before releasing payment.

Automated Clearing House (ACH) Debit Block

Completely block all incoming ACH debit transactions which are automatically returned to the originating bank.

Reverse Positive Pay

Have greater control over your business by only paying the checks you have reviewed and approved for payment. This secure solution reduces potential check fraud and enhances cash control.

Automated Clearing House (ACH) Fraud Filter

Manage a list of pre-approved payments and only those transactions will be paid. Payment rules can be vendor-specific, amount-specific, one-time, recurring or a combination of these options.

1All offers of credit subject to approval. Some products and services may be subject to prior approval or fees. Please contact a banker for additional details that may apply based on products and services selected.2This functionality is based on the National Automated Clearinghouse Association (NACHA) 2017 rule adopting Same Day ACH Origination Solution as amended in 2020. 3*Skylight Pay Options Payroll Card is provided by TSYS®, which is not affiliated with Western Alliance Bank or its divisions. 4Merchant Services are provided by TSYS in agreement with Western Alliance Bank.