Payment origination, fraud control and reporting for commercial clients, delivered through the Treasury Gateway. More than 400 companies in our markets originate payments on it.
Sign on with your Company ID, User ID and password. Payment origination requires a second factor, and release requires approval by a second entitled user.
PPD, CCD, CCD+ and CTX formats, originated in the Gateway or uploaded as a NACHA formatted file. Payroll, vendor payments, collections and child support withholding.
Same day origination is available. Standard files settle in one or two banking days depending on the effective entry date you set.
Domestic Fedwire and international payments through our correspondent. Free-form or from a repetitive template.
Template maintenance is separately entitled from origination on purpose. The person who can add a beneficiary should not be the person who can pay one.
Upload your issue file, we match presented items against it, and you decide the exceptions. Payee name verification is available as an add-on and catches the alteration that account and amount matching does not.
Filters and blocks on incoming debits, with an exception queue. If your operating account has ever been debited by a vendor you fired, this is the product.
Deposit checks from your office. Scanner or mobile.
Remittances to a post office box we control, opened and processed by our item processing group at the Riverfront Operations Center, with images and a data file delivered daily. Same-day credit for items received by 1:00 p.m. Eastern.
Automatic transfer between your operating account and Premier Money Market Sweep at a target balance you set.
Subsidiary accounts that fund from and concentrate to a master account each night. Useful when divisions need their own disbursement account and one treasurer needs one balance.
Previous day and intraday balance and transaction reporting in the Gateway, with export to CSV, QuickBooks and BAI2 for import into your accounting system.
Purchasing and travel cards with spend controls, issued through our card processor.
All times Eastern on a banking day. A payment created before the cutoff but not approved before the cutoff is held, not released, and carries the next banking day as its value date. This catches companies whose approver travels, and it is the most common reason a payment misses a deadline.
| Service | Cutoff | Notes |
|---|---|---|
| Domestic wire, originated in the Gateway | 4:00 p.m. | Fedwire operating hours govern. We do not send after the Federal Reserve closes its window. |
| International wire | 3:00 p.m. | Value date depends on the currency and the receiving country. |
| Wire instruction called or faxed to the wire room | 3:30 p.m. | Earlier than the Gateway cutoff because callback verification takes time. Every non-Gateway instruction is called back to a number on file, not a number in the instruction. |
| ACH file, standard one or two day settlement | 3:00 p.m. | |
| ACH file, same day settlement | 2:45 p.m. | Per-transaction dollar limits are set by the network operating rules and change from time to time. |
| Remote deposit capture | 8:00 p.m. | Deposits transmitted and accepted by 8:00 p.m. receive same-day ledger credit. |
| Branch commercial deposit | Lobby close | 4:00 p.m. Monday through Thursday, 5:00 p.m. Friday. Drive-up may be later at some offices. |
| Lockbox | 1:00 p.m. | Mail received in the box before the courier pickup at 1:00 p.m. is processed and credited that day. |
Every Gateway user has a profile with named entitlements: Account Reporting, ACH Origination, ACH File Upload, Wire Origination, Beneficiary Maintenance, Payment Approval and User Administration. A user sees only the menu items their entitlements permit, and a user who is not entitled to a service does not see a locked page, they do not see the page.
Payment release requires two people. Originating a payment and approving it are separate entitlements and we will not grant both to the same profile on a relationship with more than one user, regardless of who asks. On a single-user relationship, dual control is enforced by a callback from our treasury operations team on every payment above the limit set in your agreement, and the callback goes to a number on file rather than a number given at the time of the request.
Per-user dollar limits apply per payment and per day, and are set in your treasury services agreement rather than by the user. Your company administrator can lower a user's limit; raising one requires a signed amendment.
Second factor authentication is required to originate or approve a payment. We use a soft token in a mobile authenticator by default and issue a hardware token where client policy requires one. A push approval that you did not initiate is not a glitch and it is not a duplicate. It means someone else has your password. Decline it and call (423) 555-0125 immediately.
Effective January 2, 2026. Prices are per unit unless stated. Your relationship pricing may differ from this schedule and is stated in your treasury services agreement; where the two disagree, the agreement governs. Charges are assessed on the account analysis statement and are offset by the earnings credit on your investable balance before any net charge is debited on the 10th business day of the following month.
| Service | Fee |
|---|---|
| Account maintenance | |
| Commercial Analysis Checking, per account per month | $18.00 |
| Zero balance account, per subsidiary account | $12.00 |
| Paper statement, per account | $4.00 |
| Deposits and items | |
| Deposit ticket processed | $0.35 |
| Item deposited, on us | $0.09 |
| Item deposited, transit | $0.14 |
| Cash deposited, per $100 | $0.11 |
| Cash ordered, per $100 | $0.13 |
| Return item, per item | $8.50 |
| Return item redeposited automatically | $3.00 |
| ACH origination | |
| Monthly service, per company | $35.00 |
| Batch originated | $2.50 |
| Item originated | $0.045 |
| Same day item originatedSubject to the per-transaction dollar limit set by the network operating rules. Files presented after the same day window are processed on the standard schedule. | $0.28 |
| ACH return or notification of change | $3.50 |
| ACH positive pay, per account per month | $45.00 |
| ACH file deletion or reversal request | $25.00 |
| Wire transfer | |
| Domestic outgoing, originated in the Gateway | $18.00 |
| Domestic outgoing, called or faxed to the wire roomCallback verification is required on every payment instruction received outside the Gateway, without exception and regardless of amount. | $32.00 |
| International outgoing in U.S. dollars | $45.00 |
| International outgoing in foreign currencyForeign exchange is quoted at the time of release. The rate is not the mid-market rate. | $50.00 |
| Incoming domestic | $12.00 |
| Incoming international | $16.00 |
| Drawdown request | $25.00 |
| Repetitive template setup, one time | $10.00 |
| Investigation, recall or amendment | $40.00 |
| Fraud control | |
| Check positive pay, per account per month | $60.00 |
| Payee name verification, added to check positive pay | $25.00 |
| Reverse positive pay, per account per month | $40.00 |
| Exception item decisioned | $1.50 |
| Information and reporting | |
| Previous day reporting, per account | $10.00 |
| Intraday reporting, per account | $15.00 |
| BAI2 file delivery, per file | $25.00 |
| Image research request | $6.00 |
| Other services | |
| Remote deposit capture, per scanner per monthOr purchase the scanner outright for $895.00. A single-feed scanner is included at no charge on a relationship with an analysis balance above $2,000,000. | $42.00 |
| Remote deposit item | $0.13 |
| Wholesale lockbox, monthly base | $225.00 |
| Lockbox item processed | $0.42 |
| Lockbox exception item | $1.10 |
| Sweep to Premier Money Market Sweep, per month | $150.00 |
| Controlled disbursement, per account per month | $95.00 |
| Account reconciliation, full, per account per month | $110.00 |
| Hardware token replacementThe soft token in the mobile authenticator is provided at no charge and is what we recommend. Hardware tokens are issued where a client policy prohibits an application on a personal device. | $28.00 |
| Additional Gateway user beyond ten | $5.00 |
The earnings credit rate is set monthly by the asset and liability committee and is not indexed to a published rate. It was 1.85% for the current statement month. The investable balance is the average collected balance less the reserve requirement adjustment. An earnings credit that exceeds the month's charges is not paid to you and, on this schedule, carries forward for three months before it expires.
Give the sending institution the following. There is no separate wire routing number: the same number is used for wires and for ACH.
A new treasury relationship is implemented by a named specialist who runs the file validation with you before anything settles for value. Plan on two weeks for ACH origination, three to four for positive pay because the issue file usually needs work on your side, and a day for reporting. Your Company ID and the first administrator profile are issued in a welcome letter delivered by your relationship manager, not by email.
Treasury support is available Monday through Friday, 8:00 a.m. to 6:00 p.m. Eastern at (423) 555-0125. Outside those hours, a payment problem goes through the client service center at (423) 555-0142, which can reach the on-call treasury operations officer. Fraud does not wait for business hours and neither does that line.
Treasury Management is led by Rosalind Meacham, Executive Vice President, Treasury Management and Payments. Implementation, sales and client service report to her. The team is based in Chattanooga with sales officers in Cleveland, Dalton and Huntsville.