Online Treasury Management & Treasury Services

Run your business even more efficiently with a wide array of tools and services.

Request Treasury Management Services today!

Contact Us

To request enrollment in Treasury Management Online Banking or inquire about other related services, Call 1-855-888-2242 / treasurymanagement.support@prosperitybankusa.com. Ask your Prosperity Bank account manager for details, enrollment, and service fees.

Products and services designed to help you manage your company's money quickly, safely, and efficiently. Prosperity Bank's Treasury Management tools provide flexible solutions to help your business. Let us assist you in finding the right solutions for your business. 

 Download the Prosperity Bank Token from the App Store or Google Play:

Access your account information anywhere, anytime. With Business Online Banking you have access to tools and information useful for managing your business. 

• Information Reporting - detailed account balance and transaction information
• Funds Transfer - transfer to your Prosperity accounts or utilize online wire transfers
• Check Imaging - view your transaction history and your checks and deposited items.
• E-delivery - view bank statements or account analysis statements
• Access important payment information
• Easy access to your Treasury Management Services, upon enrollment of specific services
• Customize and manage control user access privileges
• Reporting available in various file formats.

Call 1-855-888-2242 / treasurymanagement.support@prosperitybankusa.com to enroll.

Contact Our Treasury Experts

Please contact a Prosperity Bank expert to discuss Treasury Management solutions for your business. We welcome the opportunity to earn your business. Call 1-855-888-2242 / treasurymanagement.support@prosperitybankusa.com.

Manage Your Money

Prosperity Bank has deposit accounts with your business in mind. Please click here to learn more about Prosperity's business accounts.

• Deposit services
• Treasury Center Online Banking
• Treasury Center Mobile Banking
• Zero Balance Accounts (ZBA)
• Sweep Accounts
• Account Reconciliation
• Manage Your Payments
• Automated Clearing House (ACH) - Originating Payments
• Business Card Solutions - Mastercard^® Debit Card / Visa^® Business Credit Card
• Bill Pay for Business
• Online Wire Transfers
• Payroll Cards

Manage Your Receivables

• Automated Clearing House (ACH) - Originating Payments
• Lockbox Services
• Merchant Services - Credit/Debit Card processing
• Remote Deposit Capture (RDC)
• Positive Pay
• ACH Blocks/ACH Filters
• Fraud Alerts

Treasury Center Mobile Banking

Use your smartphone or tablet to perform your treasury management functions around-the-clock.

• View account information, check images and transaction history
• Transfer money between accounts
• Enable alerts for paid checks, incoming deposits and more
• Review and approve transactions requiring additional approval

Zero Balance Accounts (ZBA)

Make use of every dollar by concentrating funds at the end of each day from your separate accounts into your operating account. The objective of a Zero Balance Accounts (ZBA) is to centralize balances that would otherwise remain idle. 

• Eliminate time and cost associated with manual account transfers.
• Maintain separate account deposit and payment record-keeping.
• Concentrate funds automatically at the end of each business day.
• Minimize idle cash in separate accounts.

Sweep Accounts

Automate your management of excess funds through a daily sweep service that automatically sweeps excess funds over a pre-determined target balance.

• Excess funds swept at the end of the business day.
• Maximize your interest income and/or minimize your interest income.
• Spend less time daily managing your funds' needs.

Account Reconciliation

Simplify your accounting duties with account reconciliation services with Prosperity Bank. 

• Automatically balance your accounts
• Accelerate your check research and more easily identify issues.
• Improve audit controls.

Manage Your Payments

Automated Clearing House (ACH) - Originating Payments

Electronically originate payments from any of your Prosperity business checking accounts.

• Provide Direct Deposit of payroll for your employees, no matter where they bank
• Pay your vendors via ACH instead of by check
• Pay your tax payments quickly and easily
• Minimize the number of checks you write
• Control when your ACH payments are made
• Reduce administrative and processing costs

The choice is yours - process your ACH payments as you normally do or for faster payments, use same-day ACH processing.

Business Card Solutions – Debit Cards/Business Credit Cards

Make business cards your payment of choice for many of company expenditures. 

Debit Mastercard^® Business Card

Prosperity’s debit card features chip technology enhancing the security of your card. Your business debit card transaction is deducted directly from your business checking account at the time of purchase.

• Additional cards for specific employees can be issued with preset spending limits
• ATM access for cash withdrawals, balance inquiries, and transfers between Prosperity accounts
• Alternative to carrying cash or business checks for payments
• Debit Card transactions are processed more quickly than check transactions
• Business Visa^® Credit Card

Prosperity’s Business card features chip technology enhancing the security of your credit card and comes with a variety of features and benefits:

• No annual fee
• Ability to set company and individual cardholder limits and set controls for everyday purchases
• Billing account options include Individual Accounts or Central Billing Accounts with multiple accounts available with either option
• Ability to change individual card limits or close individual accounts electronically
• Ability to block access to specific merchant categories providing audit controls
• Monitor transaction activity or view account statements on all business cards online

Bill Pay for Business

• Eliminate writing and mailing paper checks
• Schedule recurring payments at your convenience and on your schedule
• Mitigate risk with dual control and user limit controls

Online Wire Transfers

Online Wire Transfers are a reliable and secure way to send or transfer funds electronically with same-day availability.

• Customize security settings with the flexibility to have single-user, multi-user, and assign dual-control authorities allowing for password and dollar-limit restrictions.
• Establish one-time wires or templates for routine recurring wires
• Make same-day payments to vendors
• Review incoming and outgoing wire detail information online
• Payroll Cards

One of your business needs may include a payroll card solution for your employees instead of issuing checks. Please contact treasurymanagement.support@prosperitybankusa.com for more details.

Manage Your Receivables

• Automated Clearing House (ACH) – Collecting Payments
• Electronically collect payments from customers and vendors or other third-party relationships.
• Provides a convenient and efficient collection of recurring payments
• Pre-authorized debits collect money from your customers
• Receive your payments more quickly - Eliminate mail delays
• Reduce your cost of billing and collections
• Concentrate funds from your other bank accounts into your Prosperity business checking account
• Faster payment collection available with same-day ACH services, some restrictions apply.

Lockbox Services

Simplify and expedite the collection and processing of your account receivables by having your business customers mail their payments directly to the bank for processing. The bank accesses and processes your payments, and deposits your payments received into your account on the same day.

• Online access to imaged remittances and checks along with flexible reporting options
• Eliminate trips to the bank to make deposits
• Increase audit controls
• Expedite availability of your funds and fast processing and timely same day remittance details
• Reduce your internal staff processing time
• Eliminate the need for paper copies of checks or invoices
• Medical Lockbox processing available.

Merchant Services - Credit Card Processing

Payment solutions to accept card payments online, over the phone, or in person. Many businesses need to offer their customers flexible payment options and Prosperity Bank partners with TSYS^® to provide full-service payment processing solutions to businesses to meet their credit, debit and gift card processing needs. Additional merchant services available include Electronic Check Conversion and Check Verification.

Click here for more information about Merchant Services.

Remote Deposit Capture (RDC)

Streamline your banking by making deposits without leaving the office. Remote Deposit Capture (RDC) allows your business to electronically deposit checks securely into your Prosperity checking account using a scanner and software.

• Make more frequent deposits, improving your availability of funds
• Reduce trips to the bank and minimize liability and lost productivity
• Consolidate funds from multiple remote locations into your Prosperity checking account
• Scanner options to support your check volumes
• Allow multiple users to access the system with different levels of authorization.

Fraud Protection

Positive Pay

Protect against fraud by utilizing Prosperity Bank’s Positive Pay service to electronically monitor check or ACH transactions presented for payment to your business checking account. Validates the checks presented to your account for payment prior to processing by automatically matching the items against your business check issued files. Choose Prosperity’s Check Positive Pay service, ACH Positive Pay or both.

• Improve audit control
• Reduce exposure to check or ACH fraud
• Review exceptions online and make pay or return decisions easily
• Minimize time and frustration with closing and reopening an account due to account compromise.

Check Positive Pay

Check Positive Pay validates the checks presented for payment by electronically matching the items against your issued check records. Items presented for payment that does not match a corresponding item in your issued check file are identified as an exception and referred to the company for a 'pay' or 'return' decision.

ACH Positive Pay

When authorized ACH debit and credit originators vary or when special attention should be paid to third-party ACH activity, ACH Positive Pay may be a good solution. Provide Prosperity Bank with known ACH originators. All other ACH items will be identified as exceptions. Review exception items by the established deadline to return any that are unauthorized.

Positive Pay Video

ACH Blocks/ACH Filters

Authorize only specific activity to your account and restrict based upon transaction type.

ACH Blocks: Protect against unauthorized inbound transactions with ACH debit block. Full ACH credit blocks are also available.

ACH Filters: Filters are a fraud prevention tool when repetitive ACH debits or credits are expected. Simply provide Prosperity with your approved debit and credit originators. ACH transactions will be automatically filtered for you.

Contact Treasury Management at 1-855-888-2242, treasurymanagement.support@prosperitybankusa.com.