Treasury & Payment Solutions
Improve your cash flow, save time, and protect your business with BMO Treasury & Payment Solutions. Contact a business banker to get started.
Optimize cash flow
Access your funds faster and stay in control of your day-to-day finances.
Streamline operation costs
Enjoy all‑in‑one pricing with bundled service plans designed to simplify operations and reduce costs.
Stay secure
Keep your business safe with security and fraud-prevention tools.
Comprehensive treasury solutions, all in one place
Track funds, manage risk and plan confidently with an integrated suite of payment and treasury tools.
Receivables
Capture and convert sales quickly to improve cash flow.
Mobile footnote 1 and Remote Deposit Capture: Deposit checks securely using a mobile device or scanner, without visiting a branch. - Automated Clearing House (A C H) debit: Collect payments directly from customer accounts to accelerate cash flow.
- Cash Vault Services: Reduce time spent handling cash with secure cash deposit and processing services.
- Real-Time Payments® (R T P): Receive funds instantly with immediate confirmation and availability, at participating banks.
Payables
Manage payments securely, streamline your work and reduce errors.
- A C H processing: Pay vendors and employees through direct deposit to reduce manual steps and improve reliability.
- Wire payments: Send domestic or international payments through wire transfer.
- Payments via Zelle®: Send money in minutes footnote 2 to enrolled recipients for faster payables and easier transaction tracking.
- Real-time Payments® (R T P): Send urgent payments instantly, any time of day, at participating banks.
Fraud Prevention
Protect your business and safeguard your financial operations.
- Positive Pay: Prevent unauthorized checks and ACH activity by stopping suspicious transactions before funds are released.
- Reverse Positive Pay: Maintain control by reviewing and returning suspicious checks before they clear.
- Account Validation: Reduce fraud and returns by verifying account ownership and status before issuing payments.
- Transaction alerts: Detect unusual activity sooner through transaction notifications.
Reporting
Monitor your operations and make informed business decisions.
- Enhanced reporting: Improve visibility into cashflow by accessing detailed transaction data across accounts.
- Transaction alerts: Stay informed as funds move in and out of your accounts.
- Multi-user access: Enable secure collaboration by assigning role-based access and permissions.
Contact a business banker to find the right solution for your business
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Treasury & Payment Solutions FAQs
Treasury and payment solutions are a suite of tools that help you manage cash flow, payments, and account access. They streamline routine tasks like paying vendors, collecting deposits, and monitoring balances. These tools also include built-in security features to help protect your business from fraud. Businesses use them to save time, reduce manual work, and gain clearer insight into their finances.
Pricing varies based on the services you choose, and bundling services can reduce overall costs. For many businesses, the efficiency gains and time savings often outweigh the cost. Contact a BMO business banker to review plans and pricing options.
BMO’s treasury services use authentication, alerts and enhanced reporting to protect your accounts. You can control user access and set permissions for your team. If an issue occurs, dedicated support can help resolve it and investigate any suspicious activity. Contact a BMO business banker to review our fraud prevention tools and put the right protections in place for your organization.
With BMO's treasury tools, you can send electronic payments, deposit checks remotely and view all your accounts in one place. You can also connect to QuickBooks® and other accounting software to simplify bookkeeping.
Our treasury tools are designed for businesses of many sizes, from small operations to growing companies. You can start with the essentials and add more features over time. The solution scales as your payment volume, cash flow needs, or team access requirements increase.
Contact a BMO business banker for help with set up and to configure your services. We offer a digital onboarding process to ensure smooth setup and operations. You can also cancel your services at anytime with no penalties.
Resources
Find out what cash management is and what it can do for your business
Using cash management services allows you to save time and resources while focusing on the heart of your business.
7 Tips to demystify financial forecasting and strengthen your business
Use these financial forecasting tips to help you plan for the future of your business.
Merchant services explained: What you need to know to make payment processing easy
Discover what merchant services are and how they can benefit your business. Learn about payment processing, costs and fees, how to choose a provider, and more.
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Footnote 1 details Mobile deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawl. For details, please see the BMO Digital Banking Agreement found on the BMO legal page.
Footnote 2 details To send or receive money with Zelle®, both parties must have an eligible checking or savings account. At BMO we require you to enroll a checking account to use Zelle®. Transactions between enrolled users typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle®. Zelle®should only be used to send money to people and businesses you trust. Neither BMO nor Zelle®offers purchase protections for payments made with Zelle®, so money you send may not be recoverable. For details, please see the BMO Digital Banking Agreement found on the BMO legal page.Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.Quickbooks™ includes QuickBooks Online, QuickBooks Desktop. QuickBooks is a registered trademark of Intuit Inc.Banking products are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC.