Treasury services at Tri Counties Bank are the set of cash management capabilities that layer on top of a business deposit relationship to give California companies professional-grade tools for payments, receivables, fraud prevention, and cash visibility. Where standard business checking handles basic transaction volume, treasury services scale up for mid-market and enterprise operations that process hundreds of payments per week, consolidate cash across multiple entities, or run complex collection workflows.
This hub page introduces the full treasury service catalog — who uses each service, how services combine in typical California industry workflows, and what a practical implementation timeline looks like. Every treasury service runs through the Trico Business Express online portal for origination, approval, exception handling, and reporting, with the same security controls and audit logging as the rest of the platform.
Cash Management Platform Overview
Each service targets a specific cash management pain point. Combinations vary by industry and business size.
| Service | Purpose | Typical User | Cost Model | Setup Time |
|---|---|---|---|---|
| Cash Concentration | Pool cash from multiple accounts | Multi-entity CFO | Per account monthly | 2-4 weeks |
| Sweep Accounts | Automated overnight investment | Mid-market treasurer | Balance-tiered | 1-2 weeks |
| Zero-Balance Account | Auto-funded from parent | Multi-branch retailer | Per account monthly | 2-3 weeks |
| Wire Transfers | Same-day domestic and SWIFT | Any business | Per wire | 5 business days |
| ACH Origination | Payroll, vendor payments, collections | Any business with payroll | Per batch/item | 1-2 weeks |
| Positive Pay | Check + ACH fraud prevention | Any business with checks | Per account monthly | 5-10 business days |
| Lockbox | Inbound customer payment processing | AR-heavy business | Per item | 4-6 weeks |
| Remote Deposit | Scanner/camera check deposit | Multi-location | Per item or flat | 1-2 weeks |
| Merchant Services | Card payment acceptance | Retail, hospitality | Interchange + fees | 2-3 weeks |
| BAI2 Export | Treasury management system feed | Mid-market CFO | Monthly | 1 week |
Service combinations vary by industry. The Federal Reserve operates the Fedwire and FedNow payment rails used in wire and instant payments. Analysis Checking earnings credit can offset service fees.
Different industries combine treasury services into specific stacks that fit their cash flow patterns.
Central Valley and Sacramento Valley agricultural operations coordinate seasonal cash flows, equipment financing draws, crop insurance receivables, and commodity payments. Typical stack: wire transfers for large equipment purchases and commodity contracts, ACH origination for seasonal payroll and vendor payments, positive pay for check fraud prevention, and lockbox for distributor payment consolidation. Sweep accounts park idle cash during low-activity months.
Napa and Sonoma wineries plus hotel and restaurant operators handle merchant card volume, vendor payments, and seasonal staff payroll. Typical stack: merchant services for card acceptance, ACH for payroll, bill pay for recurring vendor and utility payments, cash concentration across multiple store or property locations, and wire transfers for large wholesale purchases. Positive pay coverage hardens against check fraud common in hospitality.
Manufacturers, healthcare networks, and professional services firms run the most sophisticated treasury stacks. Zero-balance accounts fund subsidiary operations from parent. ACH with NACHA upload processes hundreds of payroll transactions per cycle. Positive pay on every account with check activity. Lockbox for patient or client payment consolidation. BAI2 export feeds Kyriba or treasury management systems for intraday reporting. SWIFT wires for international supplier or insurance payments. User administration handles segregation of duties across treasury staff.
Every implementation runs through a Tri Counties Bank treasury management officer with a defined playbook.
Wire transfer activation, basic positive pay on a single account, ACH origination for manageable volume, and remote deposit for a single location run in the 5-10 business day range from signed service agreement to production. The treasury management officer coordinates the service agreement, internal bank setup, user provisioning through account management, user training, and a brief test cutover before full production use. Most straightforward activations complete inside two weeks.
Mid-market implementations combining cash concentration, zero-balance accounts, ACH with NACHA upload, positive pay on all accounts, lockbox, and BAI2 export span 6-8 weeks. Phase one defines account structure and remittance change plan. Phase two runs test transactions for each service. Phase three trains users and configures approval workflows. Phase four phases in production — typically starting with lowest-risk service and adding others as each stabilizes. A kickoff call, weekly progress reviews, and a final go-live check-point anchor the schedule.
A Tri Counties Bank treasury management officer reviews your cash flow, volume, and existing systems to propose the right service mix. Call +1-800-922-8742 or request an introduction through your commercial banker.
Contact Treasury ManagementCash ManagementService catalog, target users, implementation time, cost, and accounting integration.
Cash concentration, sweep, zero-balance, wires, ACH, positive pay, lockbox, remote deposit, merchant services, and BAI2/OFX reporting. Each layers onto a business deposit account and runs through Trico Business Express.
California mid-market and enterprise businesses — manufacturers, agricultural operations, healthcare networks, professional services, retailers, construction, hospitality. Smaller firms use individual services; mid-market companies combine 4-6 services into comprehensive stacks.
Simple services 5-10 business days. Cash concentration or lockbox 2-4 weeks. Comprehensive mid-market stacks 6-8 weeks including requirements review, test files, user training, phased rollout. Treasury management officer leads each implementation.
Per-transaction fees on wires and ACH. Per-account monthly for positive pay. Per-item on lockbox. Analysis Checking earnings credit offsets fees for mid-market customers. Custom proposal based on service mix, volume, and tier.
BAI2 for treasury management systems (Kyriba, SAP). OFX for QuickBooks and small business platforms. CSV for ad-hoc. NACHA file upload from ERP payroll/vendor runs. Lockbox daily files for AR sub-ledger posting.