Amercan Bank & Trust TREASURY MANAGEMENT Your Aspiration. Our Inspiration. Your time is a precious commodity. Our treasury management services can help you optimize your time and improve how money flows within your business. With the right tools, you can save both time and money. DISBURSEMENTS Cost effective solutions to manage your outgoing transactions and streamline your account reporting. TREASURY SERVICES Whether you own a large or start-up business, American Bank & Trust offers a wide variety of treasury services to help your business optimize working capital. CASH FINDER Improve your business cash flow by bridging the gap between your payables and receivables making it easier to manage expenses, inventory and pursue new business. · ACH Debits and Credits - Automatically move funds in or out of your accounts. Funds deposited into your account the day you send the invoice for the payment. Information is secure and you remain in control of your accounts receivables (you manage collection calls and receipt of payments). Gain access to detailed management reports with important information on aged receivables, customer balances and more. Remote Deposit - Deposit checks directly from your business. Positive Pay/ACH Positive Pay - Fraud mitigation for your deposit accounts. Online wire transfer - Skip the trip to the bank and send wires from your office. Sweep Services - A great way to maximize FDIC coverage. Lockbox - Efficiently collect, process, and deposit check receivables. FRAUD PROTECTION Keeping your business safe from fraudsters is imperative to continued success. Thomas Verhey VP, Treasury Management Officer 724 Oxford Street TVerhey@abt.bank (605) 961-3907 Worthington, MN 56187 (507) 343-0600 ABT.bank Member LENDER FDIC Amercan Bank & Trust TREASURY MANAGEMENT Your Aspiration. Our Inspiration. Your time is a precious commodity. Our treasury management services can help you optimize your time and improve how money flows within your business. With the right tools, you can save both time and money. DISBURSEMENTS Cost effective solutions to manage your outgoing transactions and streamline your account reporting. TREASURY SERVICES Whether you own a large or start-up business, American Bank & Trust offers a wide variety of treasury services to help your business optimize working capital. CASH FINDER Improve your business cash flow by bridging the gap between your payables and receivables making it easier to manage expenses, inventory and pursue new business. · ACH Debits and Credits - Automatically move funds in or out of your accounts. Funds deposited into your account the day you send the invoice for the payment. Information is secure and you remain in control of your accounts receivables (you manage collection calls and receipt of payments). Gain access to detailed management reports with important information on aged receivables, customer balances and more. Remote Deposit - Deposit checks directly from your business. Positive Pay/ACH Positive Pay - Fraud mitigation for your deposit accounts. Online wire transfer - Skip the trip to the bank and send wires from your office. Sweep Services - A great way to maximize FDIC coverage. Lockbox - Efficiently collect, process, and deposit check receivables. FRAUD PROTECTION Keeping your business safe from fraudsters is imperative to continued success. Thomas Verhey VP, Treasury Management Officer 724 Oxford Street TVerhey@abt.bank (605) 961-3907 Worthington, MN 56187 (507) 343-0600 ABT.bank Member LENDER FDIC