Cash Management and Treasury Management are often thought of as interchangeable terms or “just another commodity” banks offer. In reality, services like wire transfers, sweep accounts and merchant processing aren’t all the same—and they’re far from generic. These tools can unlock real opportunities for business growth, especially when aligned with your unique cash flow goals.
If you’re exploring ways to improve liquidity or manage money more efficiently, here’s what you should know about modern cash management and how it can power your business forward.
What is cash management?
Cash management refers to the daily oversight of cash inflows and outflows. With so many transactions happening each day, it’s critical for businesses to manage these movements strategically.
The ultimate goal? Maximize liquidity and minimize the cost of funds. When done right, cash management increases access to working capital and boosts long-term financial flexibility.
Why does cash management matter to your business?
Strong cash management helps your business stay resilient, agile and prepared for growth. It ensures you have the right amount of cash available when you need it—while putting idle funds to work.
Most modern cash management services integrate seamlessly with your online banking platform, giving you real-time visibility and control. From managing payroll to monitoring payments, everything is just a few clicks away—anytime, anywhere.
The best part? These tools are customizable. Whether you’re managing a retail operation, a professional practice or a fast-growing startup, your cash management strategy should reflect your business’s specific needs and goals.
What is ACH?
ACH (Automated Clearing House) is an electronic funds transfer system that facilitates payments in the U.S., regulated by the National Automated Clearing House Association (NACHA).
ACH allows businesses to send and receive money quickly and securely. A common example is Direct Deposit for payroll, where an employer electronically transfers funds into employees’ bank accounts. ACH is also frequently used for vendor payments, recurring customer billing and tax payments.
Cash Management vs. Treasury Management: What’s the difference?
These two terms are closely related, but not identical.
Cash Management typically refers to services that help manage day-to-day finances—like wire transfers, sweep accounts, merchant services and ACH origination.
Treasury Management encompasses a broader strategy that includes cash management but also involves liquidity forecasting, risk mitigation and investment planning. While large corporations may need full-scale treasury services, most small to midsize businesses benefit from a tailored cash management plan.
At Field & Main, cash management means smarter business.
Here’s how we’ve helped businesses strengthen their operations through thoughtful, technology-forward solutions:
✅ Remote Deposit Capture: More time in the office, less time on the road
One business owner was looking for a better way to bank—without sacrificing convenience. Despite being located farther from a Field & Main banking center, they needed a partner who could offer efficiency.
The solution: Field & Main’s Remote Deposit Capture made it possible to deposit checks from the office, in real time, without travel. Our team installed the system, trained the staff and built a broader suite of cash management services around their needs—improving both productivity and profitability.
✅ Merchant Services Review: Real savings, real impact
Another business owner had never reviewed their merchant services statement. Like many, they accepted credit card processing fees as an inevitable cost of doing business.
Our approach: We offered a no-cost, no-obligation comparison to evaluate their existing fees and uncover potential savings. With transparent analysis and local support, they gained confidence in how their costs were structured—and saw where they could save.
Result: Reduced expenses and a more informed business owner.
Let’s make cash flow work for you
At Field & Main, we know that great cash management helps build strong businesses. Whether you’re interested in Remote Deposit Capture, Positive Pay, Merchant Services or any other solution, our team can guide you through the options and help you build a plan that supports your goals.
Ready to take the next step? Learn more about cash management and the business services that we offer. Let’s start our relationship today. Contact a Cash Management expert at Field & Main or visit a banking center near you.
Let’s grow together.
