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Treasury & Liquidity

Strategies that Create Confidence

Watermark delivers customized treasury strategies that optimize liquidity, strengthen daily operations, and reduce risk. More than products, we bring integrated expertise, responsive service, and a deep understanding of your goals.


Liquidity Management

Your capital should be a source of strength. At Watermark, we work closely with you to build liquidity and investment strategies that power your business forward. By making sure your working capital is working for you, we help strengthen operations, preserve flexibility, and support growth—so you can stay focused on what’s next.

Our Solutions

  • Analyzed Checking Accounts
  • Zero Balance Accounts
  • Loan Sweeps
  • Investment Sweep Accounts
  • Business Savings and Money Market Accounts
  • Certificates of Deposit 

Information Reporting

Real-time visibility supports confident decision-making. Treasury Connect is a secure, intuitive digital banking platform that provides control, insight, and convenience.

With Treasury Connect you can:

  • Manage and personalize accounts
  • Assign controlled access for employees
  • Access balances, histories, and transfer funds
  • Make loan payments
  • View statements and check images
  • Create custom reports and export data
  • Initiate stop payments
  • Receive customized alerts


Receivables and Payables

Watermark simplifies these critical processes with automation and customized solutions. For receivables, we help you maximize cash flow, expedite access to funds, and offer customers flexible, convenient payment options. For payables, our solutions reduce administrative effort, strengthen security, and lower your exposure to error and fraud, giving you more control.

Receivables Solutions

  • Automated Clearing House (ACH) Origination

  • Remote Deposit Capture

  • Mobile Deposit 

  • Lockbox Services

  • Merchant Card Services

Payables Solutions

  • Automated Clearing House (ACH) Origination

  • Business Bill Pay

  • Domestic and International Wire Transfers

  • Commercial Credit Cards

  • Positive Pay and Fraud Prevention Services

 







Proactive Fraud Prevention 

Security is embedded into every treasury relationship. We take a layered, strategic approach to protecting accounts and transactions. Our solutions are integrated, adaptive, and aligned with your workflows to reduce exposure, enhance resilience, and protect your financial operations with precision and vigilance.

Our Solutions:

  • Check Positive Pay with Payee Verification

  • ACH Positive Pay with Vendor Policies

  • ACH Debit Block

  • Dual Approval Workflows for ACH and Wires 

  • Custom Alerts for Suspicious Activity

  • Employee Training & Awareness











Let's Build Your Treasury Strategy

We operate as an extension of your team—bringing treasury expertise and strategic insight that adapts to your business and scales with your growth.