Treasury Management Services at Pinnacle Bank Texas

ACH Origination

Process payroll, vendor payments, tax remittances, and customer collections through the Automated Clearing House network directly from your Pinnacle Bank treasury portal. Upload NACHA-formatted files from your payroll system or accounting software, or build payments manually in the online interface. Both credit (outbound) and debit (collection) origination are supported.

Standard next-day ACH processing is included with your treasury management agreement. For time-sensitive payments, same-day ACH is available at a $2.50 per-item surcharge — funds arrive at the receiving bank by 5pm CT the same business day. Batch limits, user-level permissions, and dual-authorization thresholds are fully configurable to match your internal controls.

Pinnacle Bank processes over 1.2 million ACH items annually for Texas businesses ranging from 10-employee contractors to 500-employee manufacturers. Whether you are running your first direct deposit payroll or migrating a complex multi-entity payment structure from another bank, our treasury team manages the transition.

Positive Pay

Check fraud costs American businesses over $1.3 billion annually. Positive pay is your first line of defense. After you issue checks, upload an issue file (check number, payee name, amount, date) to the Pinnacle Bank portal. When any check is presented for payment against your account, the bank matches it against the file. Matches clear automatically. Discrepancies generate an exception item that appears in your online dashboard for review.

You approve or reject each exception before the check clears — stopping forged, altered, and counterfeit items before they hit your account. Payee positive pay adds an additional layer by matching the payee name on the presented check against your issued file, catching payee alterations that standard positive pay might miss.

Positive pay is included at no additional charge for Business Premium and Analysis Checking clients. Essential Checking clients can add the service for $15 per month. Given that a single fraudulent check can cost thousands in losses and recovery time, this is among the highest-ROI treasury services available.

Wire Transfers

Initiate domestic and international wire transfers through the Pinnacle Bank treasury portal with same-day execution for requests submitted before the 4pm CT cutoff. Domestic wires typically arrive within 2-4 hours. International wires settle in 1-2 business days depending on the destination country and correspondent bank network.

Repetitive wire templates eliminate re-keying for recurring payments. Dual-authorization controls require two approved users to release wires above a configurable threshold — a critical control for businesses sending high-value payments. All wire activity is logged with full audit trails accessible through your online portal.

Lockbox Processing

Accelerate receivables collection by routing customer payments to a dedicated Pinnacle Bank lockbox. Our operations team opens mail, scans checks, captures remittance data, and deposits funds to your account — often before your office opens in the morning. Digital images of checks and remittance documents are available through the treasury portal by 10am CT daily.

Lockbox processing eliminates the float time between when a customer mails a payment and when you deposit it. For businesses collecting hundreds of checks per month — property management companies, medical practices, wholesale distributors — that float reduction translates directly into improved cash flow and faster availability of funds.

Zero Balance Accounts (ZBA)

Zero balance accounts allow businesses with multiple departments, divisions, or locations to maintain separate checking accounts for tracking and reconciliation purposes while concentrating all cash in a single master account. Each ZBA starts and ends the day at zero — funds flow in from the master account to cover debits and sweep back at end of day.

This structure maximizes earnings credit on your consolidated balance, simplifies cash positioning, and gives department managers visibility into their own spending without access to the master account. ZBAs are commonly used by healthcare groups, franchise operators, and multi-location retailers across Texas.

Implementation and Onboarding

Every Pinnacle Bank Texas treasury management engagement begins with a consultative review of your current cash management processes. Your dedicated treasury specialist will map your payment flows, receivables cycles, and internal control requirements before recommending specific services. This is not a product pitch — it is a diagnostic exercise that often reveals inefficiencies you did not know existed.

Once you approve the service proposal, implementation typically takes 5-10 business days for standard services (ACH, positive pay, wire, sweep) and up to 15 business days for lockbox and remote deposit capture, which require hardware configuration and mail routing setup. Your treasury specialist manages the entire process, coordinates with your accounting team, and conducts hands-on training for every authorized user.

Ongoing support is provided by the same treasury team that built your configuration — not a general help desk. When you call with a question about an ACH return code or a positive pay exception, you reach someone who knows your account structure and your business.

Security and Compliance

Pinnacle Bank Texas treasury management operates within a security framework that meets or exceeds requirements established by the Federal Financial Institutions Examination Council (FFIEC) and the Office of the Comptroller of the Currency. All data transmitted through the treasury portal is encrypted with TLS 1.3, and user sessions are protected by adaptive multi-factor authentication.

Role-based access controls allow you to assign granular permissions to each user — for example, allowing a payroll administrator to create ACH files but requiring a CFO to approve them. Wire transfer dual-authorization ensures that no single user can initiate and release a wire above your configured threshold. Activity logs capture every action with timestamps, IP addresses, and user identification for audit and compliance purposes.

For businesses subject to SOX compliance, HIPAA requirements, or government contracting regulations, Pinnacle Bank provides documentation packages and audit support as part of the treasury management relationship. Your treasury specialist can coordinate directly with your external auditors during annual reviews.