Business Banking at republic bank

Treasury Management

Get Your Cash Sooner, Keep It Longer, and Maximize Its Potential

At Republic Bank, we offer the innovative technology of a large bank and the personal attention of a small bank.  And, we know the cash flow struggle is real.  Speed up collections, manage disbursements, and access timely information with our suite of Treasury Management solutions.

Cash Flow Management

Access your account information and manage your cash flow.

Manage your daily finances more efficiently – 24x7x365 – with the Treasury Management solutions that best suit your business needs.


  • Daily balance and cleared transaction information
  • Multiple account statements
  • Disbursement totals and details
  • Check images


  • Stop payments
  • Wire transfer transactions
  • ACH transactions
  • Reporting for EDI receivables, controlled disbursements, and transaction activity
  • Positive Pay decisions
  • Loan payments
  • Line of credit draw down requests
  • Funds transfers


  • Status inquiries
  • User information and permission levels
  • User activity
  • File formats for downloads
  • Premium alerts for text messaging and email


Save time by efficiently collecting payments.

Remote Deposit Capture

The faster, easier, and safer way to make deposits.  And, you’ll never have to worry about making it to the bank before cut off time.  Remote Deposit Capture allows you to make deposits from the office at your convenience throughout the day.  Use a desktop scanner and web-based application to capture check images, create reports, and select user preferences.

Lockbox Services

Turn your company’s receivables into usable cash with maximum speed, efficiency, and accuracy.

  • Improve collection time and cash flow
  • Streamline accounts receivable management
  • Scan electronic remittance for speedy processing
  • Reduce labor time by automating the process
  • Report on daily activity through Online Banking
  • Reduce exposure to theft, fraud, and errors

Zero Balance Accounts (ZBA)

Transfer deposits from subaccounts to primary accounts.  For example, funds deposited by each of a chain of stores can be transferred to the headquarters of the chain.

  • Improve cash flow and funds availability
  • Extend depository deadlines for same day credit
  • Eliminate postage and courier costs
  • Receive faster notification on returned deposit items
  • Make deposits anytime
  • Reduce the number of posting errors and corrections
  • Eliminate the need for multiple banking relationships


Simplify your payments.

ACH Origination

Create electronic transfers to and/or from accounts of other companies or individuals, directly to your business account.  ACH debits move funds from the accounts of receivers and credit them to your account.  It’s a low-cost solution for collecting recurring payments such as club dues, condo fees, rent payments, and donations.

Full & Partial Reconciliation

Reduce account management and the clerical time spend on account reconciliation while enhancing your audit controls.  Provide a list of checks issues, and we’ll reconcile paid checks, helping you quickly identify the outstanding items.

Wire Transfers

Initiate one-time or ongoing wire payments and have same-day settlement of funds.

Direct Deposit

Offer this benefit to your employees, and save the time, energy, and costs associated with issuing traditional pay checks.

Positive Pay

Get the peace of mind that comes with knowing your business accounts and transactions are protected.  Positive Pay lets you review your issued checks prior to payment so you can stop fraudulent, stolen, or altered checks.

Automatic Sweep Services

Sweep funds to a fully FDIC insured account, a commercial money market account, or even a loan to achieve your cash flow goals.

Merchant Services

Designed specifically to improve your profitability, our merchant services are your competitive advantage.

Flexible Pricing

  • Unbundled pricing allows you to qualify for the lowest interchange rates charged by Visa®, MasterCard®, or Discover®.
  • We review all costs and fees with you before you sign any agreements so you know exactly what will be on your statement.

Reliable Service & Technology

  • The equipment uses advanced technology to make the transaction fast and simple.
  • Automatically accept Visa®, MasterCard®, and Discover®.
  • Terminals can also authorize other major cards including American Express®, Diner’s Club®, Carte Blanche®, and most debit networks.

Electronic Funds Availability

  • Within two business days, the transactions are deposited electronically into your account.

Risk Protection

  • Detecting potential issues before they become problems reduces your risk.

Transparent Statements

  • Statements are easy to read with categorized deposit and fee transaction types.

Gift Card Program

  • ValueTec® gift card and loyalty card packages can be personalized with your business’ name.
  • Program includes customized advertising materials, account setup, training, and user guides.

Payroll Services

Manage your payroll by phone, email, or securely online.

We’ve partnered with Paychex®, a leading national payroll provider, to offer reliable, affordable, and comprehensive payroll and tax solutions.

  • Easily submit payroll by phone, via email, or online with the Paychex Flex™ platform (also available in mobile app for Apple® and Android™ devices).
  • Connect to dedicated payroll specialists via phone or email 24×7.
  • Rest easy knowing that your employees will be paid on time.
  • Payroll taxes are accurately calculated, deposited, and filed on your behalf.

Visit your local branch to sign up for Paychex® Payroll Services.

It's about more than debits and credits.

At Republic Bank, it’s important to us to provide you with the resources you need to have a bright financial future.

Explore our posts and learn more about credit score myths, savings strategies, the benefits of smaller local banks, and more.

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Get connected with us, and put Chicago’s hardworking bank to work for your business today.

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