Treasury Management Services

Cash Management

Banterra's convenient and cost-effective Online Cash Management Service is designed for companies that need a broad range of electronic banking services. It provides accurate, up-to-date financial information in a secure environment.

Benefits to your company:

• Access your accounts
• Transfer funds between accounts
• Set up multiple end users within your business
• Define functionality for end users and control the accounts and services they may access
• Originate ACH transactions including payroll, vendor payments and accounts receivable
• Reconcile your accounts
• Positive Pay for check fraud detection
• View check images
• Initiate wire transfers
• Request stop payments
• Automatic balance alerts via email

Cash Management Demo

1. You enter into one agreement.
   You sign one simple CDARS Deposit Placement Agreement with Banterra Bank.
2. You select an interest rate and a maturity.
   Based on our current CD options, you decide on a rate and a maturity that best matches your investment goals.
3. Funds are deposited.
   Using CDARS, Banterra Bank will submit your funds for placement at member banks.
4. CDs are issued.
   Member banks issue CDs in denominations under the FDIC maximum, so your investment is eligible for FDIC insurance coverage.
5. Confirmation is received.
   You receive written confirmation of your deposits and a listing of all of your CDs.

Positive Pay

Combine Positive Pay with Account Reconciliation and reduce your exposure to check fraud arising from counterfeit or altered checks. If a check presented for payment does not match the information from your issued check file, you will be able to view an online report each morning giving you the opportunity to have Banterra pay or return each exception.

Benefits to your company:

• Increased fraud protection
• Control over whether a discrepant check should be paid
• Convenient reporting

Investment and Loan Sweeps can be used independently or combined to maximize investment opportunities and minimize outstanding balances.

Investment Sweep*

Banterra's Investment Sweep* allows your business to earn income on excess balances. You have the option of selecting a target balance that best suits your financial strategy. At the end of the business day, excess collected funds are swept into an overnight investment. Funds automatically transfer back to your checking account as needed based on the pre-determined target balance.

Benefits to your company:

• Convenience of automatically investing excess balances
• Increased earnings potential
• Access to invested funds

* The Investment Sweep product is NOT FDIC Insured, is NOT a deposit, is NOT Bank guaranteed and may go down in value.

Line of Credit Sweep

Would you like to reduce your interest expense automatically? You can minimize outstanding balances on your Line of Credit by sweeping excess collected funds from your checking account. Based on a pre-determined target balance, funds are automatically transferred from your line into your checking account as needed.

Benefits to your company:

• Reduce interest expense
• Improve financial control

Image Retrieval

How long do you keep those boxes of cancelled checks? Why not eliminate the need to store paper altogether?

Quick and easy access to information is vital in today's business environment. Banterra's Check Images via CD-ROM is a simple, organized check storage and retrieval system. Check images are captured and stored until month-end when a CD-ROM is produced and shipped to you containing your statement and check images.

Benefits to your company:

• Improve efficiency because of rapid access to disbursement information and check images
• Reduced space required for storage of cancelled checks and bank statements
• Advanced search capabilities
• Store extra CDs off site for disaster recovery purposes or provide them to your accountant

Direct Deposit of Payroll

Take the pressure off payday for both your office staff and employees. With direct deposit, your employees' pay is electronically transferred to their bank account on payday. There are no checks to print and reconciliation of payroll account is simplified. Save money by offering direct deposit while providing a benefit to your employees.

You can originate direct deposits of payroll directly from your computer by using our Online Cash Management Service or we support secure file transmission if your software will produce a file in standard NACHA format.

Electronic Data Interchange (EDI)

EDI is the worldwide business standard for computer-to-computer exchange of business data. The Federal Government, as well as most large corporations, requires EDI capability from their business partners. Banterra's EDI Remittance Service translates data from ACH addenda records into easy to read reports. The information provided is the same as normally found in paper remittance advices.

Cash Concentration

Are you doing business in more than one location? Banterra can help you manage your company's cash position by collecting funds via the Automated Clearing House (ACH), a lower cost alternative than wire transfers. With your funds concentrated into one primary operating account at Banterra, you accelerate cash flow and maximize investment opportunities.

Cash Concentration via ACH is available in our Online Cash Management Service.

Wire Transfers

Initiate fund transfers in a quick and secure manner. When you need to transfer funds fast, wire transfers offer the speed of same day settlement for domestic funds transfers and the security of direct, paperless transactions. Banterra's Online Cash Management Service enables you to initiate wire transfers directly from any PC, saving you time and money.

Zero Balance Accounts

A zero balance account (ZBA) allows you to put your dollars to work for you by eliminating excess balances in separate accounts. Banterra's ZBA, a sub-account linked to a single master account, will help you maintain control over multiple disbursement accounts and minimize excess balances. The service automatically transfers funds to or from the master operating account at the end of each business day to offset the net activity in each ZBA sub-account.

Benefits to your company:

• Funds consolidation is made easier
• Provides centralized cash control
• Automates transfers to save you time and money

Inquire at any Banterra location for more information or Contact Us to receive more information on this service.

Merchant Credit Card

A Merchant Credit Card system at your business offers your customers an alternate payment option and can increase sales. This system allows your customers to pay for goods or services using their Visa® or MasterCard® (other cards may also be accepted). With credit card usage increasing, a Merchant Credit Card system is a must in any business environment.

Receivables Management

Convert your receivables to cash faster by creating electronic transfers from your customers' accounts and have them directly deposited into your account via the Automated Clearing House (ACH).

Benefits to your company:

• Accelerated collection of receivables - ACH transactions settle faster than checks
• Save on processing costs - less expensive than checks
• Reduce errors associated with paper-based transactions
• Greater security

ACH Debits are a low cost alternative for the collection of recurring payments such as utility bills, membership dues, rent and donations.

You can originate ACH receivable transactions directly from your computer by using our Online Cash Management Service.

BAI Data Exchange

Do you need to upload bank account information to your treasury management, general ledger and accounting systems? BAI is an industry standard electronic file of all of your account activity which can be securely sent to you each day.

Payables Management

By using the Automated Clearing House (ACH) to create electronic transfers of funds, you reduce the time and expense of writing, processing and reconciling checks and maintain control of available funds until the moment you need them to cover disbursements. Your company provides us with an electronic ACH disbursement file and items are distributed to receivers automatically and are funded by a single debit to your Banterra account.

Benefits to your company:

• Increase control by accurately forecasting cash flow - you'll know in advance when disbursements are made
• Elimination of costs associated with paper-based systems
• Control fraud

Types of Disbursements

• Vendor payments
• Direct deposit
• Expense reimbursement

You can originate ACH payable transactions directly from your computer by using our Online Cash Management Service.

Night Deposit

Night Depository is a secure, convenient way to make deposits and payments after normal banking hours. It is one of our most popular services and we'll be glad to make arrangements at a Banterra location convenient to your place of business.

Account Reconciliation

With Banterra's Account Reconciliation Service you'll automate and streamline account reconciliation. You provide (upload or input) a list of issued checks which are then compared against daily paid check information. Reconciled items are then listed in an online register where you can search, sort, filter and download items.

Add Positive Pay to Account Reconciliation and help prevent check fraud.

Account Reconciliation is available within our Online Cash Management Service.