Cash Optimization and Sweep Products


With Account Analysis, your Colorado business receives a detailed monthly statement that itemizes the services you use, volumes processed for each service, and charges incurred. The Account Analysis also applies an earnings credit to your account balances that can offset charges for bank services. The earnings credit is calculated by applying the bank’s monthly Earnings Credit Rate (ECR) to your aggregate average collected balances.

Account Analysis can be applied to a single account or to a group of accounts, providing insight into services you use and the balances you need to cover service fees at the account and service levels. Monthly settlement periods provide a one-fee total for services used on one or all accounts. Doing so allows you to use multiple transaction accounts to manage your businesses and maximize your earnings credits for all accounts.

Zero Balance Account

Concentrate your company’s funds in a primary account while automatically funding sub-accounts. This type of account is ideal for any Colorado company that wants to maintain multiple disbursement accounts, but also manage cash flow through a single “master” account. By utilizing our automated Zero Balance service, you can achieve full cash optimization by reducing excess cash balances and putting your funds to more productive and profitable uses.

Cash Sweep

With a Cash Sweep you can combine the advantages of a business checking account with the ease of an automated overnight investment feature. Our Cash Sweep Account allows you to automatically invest excess collected balances to maximize investment earnings, with the flexibility of setting a target balance to offset any service charges and maximize interest.

Loan Sweep

Our Loan Sweep product automatically advances on, or pays down, your revolving line of credit to either cover disbursements or invest excess collected funds. The advantage is your business checking account and your revolving line of credit are linked and work to your benefit.

To discuss how our cash optimization and sweep products can benefit your Colorado company, call our team of Treasury Management specialists today!
  • Denver Metro: 303.675.1160
  • Northern Colorado: 970.454.4240
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