Treasury Management Services
More control over cash flow, fraud risk, and day-to-day operations for organizations.
Request a Treasury Review
Built for organizations that need more than standard checking
If your organization manages higher transaction volume, multiple users, multiple locations, or stricter approval and audit requirements, treasury services can help reduce risk and improve efficiency.
We help you build the right setup for how your organization actually operates, then connect the right accounts and services for day-to-day transactions, reserves, and oversight.
Core treasury services for control and cash flow
Positive Pay
Positive Pay helps protect your organization from check and ACH fraud by letting your team review and verify transactions before they post. It is a strong fit when the cost of an error is high.
ACH Origination
Send payments and collect funds electronically for a more reliable workflow. ACH Origination can support vendor payments, payroll, and recurring collections.
Mobile or Merchant Remote Deposit Capture
Deposit checks from your office with a secure web-based system instead of making branch trips. Remote Deposit Capture can support multiple locations and controlled employee access.
Account Analysis Checking
A checking setup built for treasury workflows. Monthly analysis statements show balances, activity, services used, fees, and earnings credits that may offset fees.
Services including Positive Pay, Merchant Remote Deposit, ACH Origination and Account Analysis Checking have individual fees and terms disclosed during account configuration.
Treasury services are built as a solution, not a one-size-fits-all package
Treasury Management is designed around how your organization handles payments, approvals, deposits, and oversight. We will help configure the right mix of services so you get the controls you need without adding unnecessary complexity.
Request a treasury reviewGetting started with Treasury Management
1
Request a treasury review
Tell us how your organization handles payments, deposits, approvals, and reserves today.
2
We map the right setup
A Sunward specialist recommends the right combination of checking, treasury services, and reserve structure for your organization.
3
We configure your services
We set up the tools your organization needs, such as ACH, Positive Pay, Remote Deposit Capture, and sweep.
4
Your team launches with support
We help your team get started with access, workflow guidance, and next steps so your treasury setup is usable from day one.
Automated sweeps help keep operating cash and reserves organized
Sunward’s Treasury Management team can help calibrate an automatic sweep structure so earnings credits offset fees and excess funds move between your operating account and reserve account based on the thresholds you choose.
Explore Sunward Reserve Accounts
Merchant services are available
If your organization accepts card payments, Sunward can add merchant services for in-person, online, or mobile payment acceptance.
Merchant Services are an optional add-on and have separate merchant processing pricing based on your payment setup and transaction activity.
Click here to view the documents required to open a business account
Scroll right to compare
| Documents Required | Sole Proprietorship | LLC | Corporation (S, C, and Non-Profit) | General Partnership | LP, LLP, LLLP | Club Account | Public Funds Account (NM entities only) |
|---|---|---|---|---|---|---|---|
| ID information for all signers | X | X | X | X | X | X | X |
|
Tax ID
EIN letter or a tax return from the last 2 tax years - must show as filed |
EIN/SSN | EIN/SSN | EIN | EIN | EIN | EIN/SSN | EIN |
|
Articles of Organization
Must be a stamped copy or the online certification shown as filed by the state |
X | ||||||
|
Articles of Incorporation
Must be a stamped copy or the online certification shown as filed by the state |
X | ||||||
|
Business License
Must show the DBA name and business owner's name or business name or Business License and State-issued Taxation and Revenue Department Registration Certificateif the Business License does not display the owner’s name or business name |
X | X (only if using trade name/DBA) |
X (only if using trade name/DBA) |
X (only if using trade name/DBA) |
X (only if using trade name/DBA) |
||
|
Foreign Registration
Required if business is registered outside NM, CA, CO, AZ, TX, UT, NV and is doing business in one of these states |
X | X | X | X | |||
|
Operating Agreement
or
Alternative Document (signed letter/meeting minutes)
specifying who is authorized to establish membership |
X | ||||||
|
By-Laws
or
Alternative Document (signed letter/meeting minutes)
specifying who is authorized to establish membership |
X | ||||||
|
Partnership Agreement
or
Articles of Partnership
or
Alternative Document (signed letter/meeting minutes)
specifying who is authorized to establish membership |
X | X | |||||
|
Meeting Minutes
specifying who is authorized to establish membership |
X | ||||||
|
Letter of Instruction
specifying who is authorized to establish membership (must be signed by an official) |
X | ||||||
|
Letter from Sponsoring Organization if using sponsor's EIN |
X |