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*

Make payments electronically in an accurate, low-cost, data-rich way. For maximum flexibility, we support multiple methods of delivering payment instructions.

*All offers of credit are subject to credit approval.

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Wire Transfer

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.


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Account Reconciliation

Our account reconciliation services help identify discrepancies and ensure accurate account balances.

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Online Bill Pay

Pay vendors conveniently through online or mobile banking. Perfect for businesses with low monthly payment volumes to a small set of vendors.

Commercial Credit Cards*

Our commercial Visa® credit cards make it easy to make and track purchases, manage payables and more.

*All offers of credit are subject to credit approval. Cards are issued by Western Alliance Bank and its divisions pursuant to a license from VISA USA Inc.


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Managing Receivables

Cash flow is the lifeblood of your business, and we can help you stay on top of all the payments it receives. With services that streamline your operations and speed up the clearing process, we make managing receivables faster, easier and more efficient.

Remote Deposit

Expedite funds collection by scanning checks and electronically depositing them into your account – or, if you’re using your own lockbox, send us an Image Cash Letter (ICL) file instead of physically depositing checks.

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Automated Clearing House (ACH) Debit Origination*

Originate direct debits against your customers’ bank accounts. Speeds collection and improves accuracy of cash posting in your accounts receivable system.

*All offers of credit are subject to credit approval.

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Lockbox

Perfect for when you have a high volume of paper-based payments every month, our configurable platform helps reduce exceptions, capture data needed to post payments automatically, and reduce cash collection expenses.

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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.

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Wire Transfer

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

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Merchant Services*

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.

*Merchant services are provided by TSYS® in agreement with Western Alliance Bank.

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Information Reporting & Liquidity Management

At Torrey Pines Bank, we can help you track and manage your business account information and funds—faster and easier than ever.

Business Online Banking

With this service, you get real-time account information reporting, so you can easily monitor your cash position and account activity.  Benefits include:
  • Ability to view bank statements online, much earlier than waiting for postal delivery
  • Convenient, customizable dashboard and reporting, which puts you in control of the information you receive
  • Choice of Basic or Enhanced Service
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Mobile Banking

With the Western Alliance Bank Business Mobile Banking App for smartphones and tablets, you’ll be able to view your account balances, view and search transactions, transfer money between accounts, pay your bills, and find nearby branches and ATM’s.

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CD ROM Check Imaging

This information reporting service stores front and back images of all canceled checks on a CD ROM. It’s valuable if your company has multiple accounts and high check volumes. You benefit from:
  • Large storage capacities
  • Easily retrieve canceled check information
  • Faster search capability when looking for a copy of a paid check
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Sweep Services

Simplify fund consolidation and eliminate manual funds transfers, with these two liquidity management services. With Sweep Services you can move funds in and out of your accounts. Your business benefits from: 
  • Maximized interest earnings
  • Less time spent manually managing funds and investments, since you use automated processes
  • Reduced staff expenses
 

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eStatements

Our eStatements service reduces paper usage and provides additional benefits:
  • Receive your statement faster
  • Lower your exposure to fraud
  • Help the environment
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Zero Balance Accounts

Our convenient Zero Balance Accounts help you manage funds with ease:
  • Eliminates the need to manually transfer funds between accounts to cover cash flow requirements.
  • Incoming deposits are immediately moved to the account you designate.
  • For outgoing disbursements, funds will be pulled from the account you've designated.
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Fraud Protection

We help keep your money, your information and your business safe from would-be thieves, with services and software that help prevent payment fraud, as well as online account and identity theft.

Positive Pay – Checks and ACH

Positive Pay, Payee Positive Pay and Reverse Positive Pay services help prevent check fraud losses, while ACH Positive Pay, Fraud Filter and Block features guard against fraud losses in ACH transactions.

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ACH Filter and ACH Debit Block

With ACH Filter and ACH Debit block you can create, maintain and update a list of approved payments, or block transactions to your account completely.

  • ACH Filter allows only authorized transactions and lets you review unauthorized transactions for payment or return
  • ACH Debit Block feature completely blocks all ACH debit transactions
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