Treasury Management

Rabobank N.A.'s Treasury Management Services are designed to help manage your cash flow, maximize the availability of funds and meet your business banking needs. We offer a wide array of disbursement and collection services to accelerate your company's cash flow while providing your customers with more convenient and flexible payment options.

Our Treasury Management solutions also come with the convenience of:

  • Personalized service – from experienced professionals who take the time to understand your unique needs.
  • Strength and security – Rabobank, N.A. is backed by the safety and security of the Rabobank Group, which is rated one of the world's safest banks by Global Finance magazine.

Contact your local Business Banker to help you choose the right services to meet the needs of your business.


Rabobank N.A. Values Relationships

We prioritize spending time to get to know you and your business, and make ourselves available whenever you may need us. After assessing your short- and long-term needs, we create a suite of customized solutions for you and commit our support to you and your business as your needs evolve over time.

We partner with our business clients for the long run to help them achieve their goals — from start up through expansion. Whatever phase your company is in, count on Rabobank to help you reach the next level of success with solutions customized to your special needs.

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Disbursement Services

Controlled Disbursement
Streamline your accounts payable process! This service provides notification of the dollar amount of checks that will clear against your account each day.

Zero Balance Accounts
Disbursement bank account checks are written, even though the balances in the accounts are maintained at zero. Debits are covered by a transfer of funds from a master account at Rabobank N.A.

Sweep Accounts
Automatically move funds from a main account to an investment or interest bearing account to pay down lines of credit or fund specific checking accounts.

Automated Clearing House (ACH) and Wire Payments
Streamline payables by securely processing domestic and international transactions electronically. 

One Card (Purchase Card)*
A Visa® Travel and Entertainment card with purchase card functionality. Use One Card to pay for all your office needs from supplies to employee relocation expenses.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

ACH Collections (Debit)
As your customers authorize direct debits from their accounts, we will process the transactions and deposit the funds into your account on the settlement date.

ACH Disbursements (Credit)
Ideal for payments to businesses or customers, you can use ACH to make a variety of electronic payments like payroll, vendor payments or tax payments. Forecast your cash flow and optimize your returns while simplifying your accounting procedures.

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Collection Services

ACH Collections
Accelerate your receivables. You send us an electronic file with the information for the pre-authorized debits and we will process the transactions and deposit the funds into your account on the settlement date.

Remote Deposit
No more trips to the bank or paying couriers to deliver your deposits to the bank. Conveniently make business checking deposits directly from your office location.

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Have your customers mail payments directly to a unique PO Box and optimize your cash flow by speeding up the receipt, processing and clearing of checks.

Merchant Services
Maximize your profitability by offering more payment options to your customers with a comprehensive merchant card processing solution.

Online Banking Service
Convenient, 24/7 access to account balances and transaction details so you can control your company’s cash resources from a single point of access. Our online banking platform is designed with industry leading, state of the art security features so your online banking sessions are always encrypted to help secure access to information.

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Other Services

Positive Pay
From high-tech counterfeit checks to simple forgeries, business checking accounts are often targets for fraudulent activity. With Rabobank’s Positive Pay, you will pay only those checks with serial numbers and dollar amounts that match those in the issue fi le you supply to the bank.

Account Reconciliation
Our Full, Partial and Deposit Reconciliation services are ideal for those companies with high volumes of checks clearing their account, or with multiple locations depositing checks into one checking account. This automated tool significantly reduces the end of month process providing monthly check reports.


Payroll Services (Powered by BenefitMall**)

BenefitMall delivers the nation’s largest integrated portfolio of payroll services, human resources and benefits. BenefitMall serves more than 200,000 small and medium sized businesses nationwide, both directly and through a network of Trusted Advisors, including bankers, insurance brokers and Certified Public Accountants. BenefitMall offers payroll solutions to meet the needs of any size business. That includes businesses with as few as 1 or 2 employees and basic payroll needs all the way up to businesses with 250 or more employees looking for comprehensive solutions with Human Resources, payroll, and benefits integration.

Let BenefitMall handle your payroll, so you can:

  • Focus on your business.
  • Choose from a variety of payroll solutions that are both cost-effective and accurate.
  • Have flexibility for direct deposit, paychecks or paycards.
  • Stop worrying about tax and compliance because BenefitMall keeps up with the ever changing requirements and tax filing, so you don’t have to.
  • Work with a dedicated Payroll Specialist that will be by your side, every step of the way.

Spend less time on payroll and more time growing your business.

Contact a BenefitMall Payroll Specialist today

**Rabobank N.A. has partnered with BenefitMall to provide payroll services to Rabobank customers. Processing agreement is between customer and BenefitMall.


Count on your local Business Banker to help you choose the right services to meet the needs of your business.

Investment Note: Some Investments Are Not FDIC Insured, Have No Bank Guarantee, and May Lose Value.

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