Treasury Management

Our treasury management solutions are designed to streamline your operations, improve cash flow, and optimize your financial performance. As part of our concierge banking services, our team will travel to your business and set up treasury management on-site. This means your employees can learn on their own POS systems in familiar environments.

Here’s a quick look at what we offer:

Treasury Management Collection Services


We enable you to send payroll and vendor payments directly through the Automated Clearing House (ACH) network, offering convenience and time savings.

RemoteDeposit Capture

We provide the capability to deposit checks remotely from your office, using specialized scanning technology, saving you trips to the bank and expediting the availability of funds.

MobileDeposit Capture

With our service, you can quickly deposit checks using your smartphone or tablet, providing a fast, secure, and convenient way to manage banking transactions on the go.


We offer quick and secure wire transfer services, allowing you to safely send and receive funds domestically or internationally, ensuring timely and reliable transactions.

Merchant Services& Credit Card Processing Partnership with First MCS

We provide comprehensive solutions for processing customer payments, including credit and debit cards, enhancing the efficiency of your sales transactions.


Our lockbox services streamline collecting and processing your receivables, reducing mail time, speeding up the deposit process, and improving your cash flow.

Zero Balance Account(ZBA) Processing

We manage your ZBA processing by automatically consolidating funds from subsidiary accounts into a single master account, ensuring efficient cash utilization and simplified account management.

Fraud Management Solutions

ACH FraudPrevention Filters

We safeguard your accounts against unauthorized electronic transactions with our ACH Fraud Prevention Filters. Setting transaction parameters allows you to control which ACH debits are permitted, ensuring that only verified transactions are processed through your account.


Our Positive Pay service offers an advanced layer of security for your check transactions. We match the checks presented for payment against your issued checks list, flagging any discrepancies for your review.

Disbursement Services


Our ACH Payments service allows you to make electronic payments, such as vendor payments or direct deposit of payroll, conveniently and securely.

ADP PayrollProcessing Partnership

Through our partnership with ADP, we offer comprehensive payroll processing solutions. This collaboration enables seamless payroll management, ensuring accuracy, compliance, and timely disbursement of employee payments.


Send wire transfers safely and efficiently with our Online Wires service. Ideal for time-sensitive or large-sum transfers, this service provides a secure and fast method to manage domestic and international wire transfers directly from your online banking portal.


Simplify your bill payment process with our convenient online service. Schedule and make payments to vendors and service providers from the comfort of your office or home.

Automated SweepTransfers

Our Automated Sweep Transfers service optimizes cash management by automatically moving excess funds between accounts. This ensures that your funds are efficiently allocated, maximizing interest earnings or reducing interest expenses.

Automated LoanPayments

Streamline your loan repayment with our Automated Loan Payments service. Set up regular, automatic payments from your account, ensuring timely loan payments and peace of mind without the hassle of manual processing.

Investment Services

InsuredCash Sweep (ICS)

With our Insured Cash Sweep service, we provide a smart way to secure large deposits while maintaining access to funds and earning interest. ICS enables you to divide your large deposits into smaller amounts, each covered by full FDIC insurance from multiple banks.

Certificate of DepositAccount Registry Service (CDARS®)

Our CDARS® service offers a safe and convenient solution for those looking to invest larger sums in CDs while still enjoying full FDIC insurance coverage. By partnering with a network of banks, we distribute your funds across multiple CDs, each under the standard FDIC insurance limit.

Find the Right Personal or Business Credit Card

Pan American Business Credit Card
Pan American Personal Credit Card

Click below to schedule a consultation with our expert treasury management team

Susan DiMeo-Sargent

Susan DiMeo-Sargent

SVP, Business Development & Treasury Management

A DePaul University alumna with majors in Marketing and Management and a minor in Italian, DiMeo-Sargent transitioned from inside sales to a flourishing banking career in 2003. Renowned for delivering exceptional ‘concierge’ level service, she was honored as the 2019 Woman of the Year by the Bloomingdale Area Women in Business and the Bloomingdale Chamber of Commerce. She is actively involved in the community and serves on several boards and committees, demonstrating a strong commitment to civic engagement and professional excellence.
Marissa Gariti

Marissa Gariti

Business Relationship Officer

Marissa Gariti earned her Bachelor of Science in Business Administration and Economics from Elmhurst University. She graduated Summa Cum Laude and is a member of several academic honor societies. Marissa enjoys helping entrepreneurs achieve their dreams.