Cash management services
Our cash management services make your life easier, so you can focus on running your business smarter and more efficiently. Our services are designed to optimize cash flow, save time and eliminate the hassles of day-to-day banking.
Choose the cash services your business needs
Business Bill Pay
Easily manage bills, send invoices, and keep business payments organized —all in one place. footnote 2
Treasury & Payment Solutions
For businesses of all sizes, we offer a full range of treasury technology and solutions to help with process automation, working capital optimization and funds safeguards.
Merchant services
Our card payment solutions offer smart and simple ways to accept payments from your customers.
More cash management tools and features
Business Bill Pay
Simplify everyday business payments with BMO’s all-in-one, comprehensive accounts payable and receivable solution.
Easily manage payments, invoices, and cash flow footnote 2 footnote 3- Pay vendors by credit card - even when they don’t accept card payments footnote 2 footnote 3 footnote 4
- Stay organized by syncing payments with your accounting software footnote 5
To learn more, contact a business banker today.
Treasury & Payment Solutions
Take control of your business’s cash flow with our comprehensive suite of treasury and payment solutions, which enables you to:- Send funds securely and quickly with ACH and wire payment services.
- Capture and convert sales into useable funds with features like Remote Deposit Capture and Merchant Services.
- Mitigate fraud, control risk and enhance internal controls with services like ACH Positive Pay.
Zelle® for business
- Enrollment is quick with an email address or U.S. mobile number
- Send and receive payments from your customers and vendors on the spot
- All your transactions are recorded in your account so you can effortlessly track your checks and payments
BMO Digital Banking
Bank anywhere at any time that’s convenient for you - view statements, pay bills, transfer funds or simply manage your account on your smartphone or computer. footnote 7
Cash management FAQs
Cash management can be a digital tool, feature and/or person (cash manager) that is responsible for managing and overseeing the cash flow of a business.
A digital tool like Zelle® helps manage a business’s money by being able to send and receive payment requests.
The main benefits of cash management are reduced risk of having too much cash on hand or not enough cash, visibility of how cash is used and control of when cash is used.
Digital cash management capabilities further adds to the benefits of management by streamlining the whole process of cash flow within your business. It offers real-time access to data and account information and the visibility of cash flow helps with decision making.
Cash management is the monetary logistics of a business. It tracks the collection, disbursement and investment of cash within a business.
Take the next step towards better business banking
Let us contact you
We’ll reach out via phone or email,whichever you prefer.
Call us
Give us a call to apply or ask questions.
Visit us
Meet with a BMO Business Banker to talk about how we can help your business.
- Footnote 1 details Subscription fees for Pay & Bill and Pay, Bill & Sync plans will be waived through October 31, 2026. All other fees will apply.
- Footnote 2 details Transaction and service fees may apply. Please refer to the BMO Business Bill Pay pricing schedule for full details.
- Footnote 3 details Business Bill Pay transactions will not count towards business checking deposit account transaction limits. If a Business Bill Pay payment results in an overdrawn account, overdraft fees will apply. Standard fees apply for all business checking accounts. Access your product disclosure for standard business checking product fees.
- Footnote 4 details Credit card bill payments are provided by Fiserv Solutions, LLC, in its capacity as a bill payment service provider.
- Footnote 5 details Accounting software sync is available for NetSuite®, Xero® and QuickBooksTM. QuickBooks includes QuickBooks Online, QuickBooks Desktop.
- Footnote 6 details U.S. checking or savings account required to use Zelle®. At BMO we require you to enroll in a checking account to use Zelle® for your small business. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Zelle® should only be used to send money to people and businesses you trust. Zelle® does not offer protection for authorized payments, so money you send may not be recoverable. For additional details, access the BMO Digital Banking Agreement found on the BMO legal page.
- Footnote 7 details Message and data rates may apply. Contact your wireless carrier for details.
- NETSUITE® is a registered trademark under multiple U.S. registrations.
- Xero® is a trademark of Xero Limited.
- QuickBooksTM includes QuickBooks Online, QuickBooks Desktop. QuickBooks is a registered trademark of Intuit Inc.
- Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- Banking products are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC