{"id":4792,"date":"2023-09-12T19:28:26","date_gmt":"2023-09-12T23:28:26","guid":{"rendered":"http:\/\/multisitetest.local.p54.agency\/?page_id=4792"},"modified":"2026-10-22T18:31:24","modified_gmt":"2026-10-22T22:31:24","slug":"treasury-management","status":"publish","type":"page","link":"https:\/\/banescousa.com\/business\/treasury-management\/","title":{"rendered":"Commercial | Treasury Management"},"content":{"rendered":"<section id=\"hero-general-block_2d8e90c9c11b8fc774fc5f9a0d0e6885\" class=\"block hero-general block--v2\" data-block=\"hero-general\" data-block-version=\"v2\" style=\"--block-pb: 20px; --block-bg: #143b64; --block-bg: #143b64\">\n\t<div class=\"hero-general__inner-wrapper top\" style=\"--hero-inner-pt: 0px\">\n\t\t<div class=\"hero-general__content-wrapper\">\n\t\t\t<div class=\"hero-general__title\"><h2>Services to simplify the management of your business cash flow<\/h2><\/div>\t\t\t<p class=\"hero-general__text\">Automate processes with technology-driven digital business banking solutions for fast, secure transaction processing <\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-general__button-wrapper\" role=\"group\" aria-label=\"Hero actions\">\n\t\t\t\t\t\t<a class=\"hero-general__btn btn btn--white-outline\"  aria-label=\"Inquire now\" target=\"\"href=\"#bottom-form-container\">Inquire now<\/a>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"hero-general__image-wrapper\" aria-hidden=\"true\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"609\" height=\"502\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/images\/website\/treasury-managment-ellipse-bundle.png\" class=\"hero-general__image desktop-image\" alt=\"\" \/>\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"609\" height=\"502\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/images\/website\/treasury-managment-ellipse-bundle.png\" class=\"hero-general__image mobile-image\" alt=\"\" aria-hidden=\"true\" \/>\t\t\t<\/div>\n\t\t\t<\/div>\n\n<\/section>\n\n<section id=\"features-general-block_ba6491b7b93aead9e4a9458e1996ebf2\" class=\"block features-general block--v2 features-general__features--stacked block-color--light-blue-dark\" data-block=\"features-general\" data-block-version=\"v2\" style=\"--padding-top:20px;--paddings-top--mobile:20px;--paddings-bottom:20px;--paddings-bottom--mobile:20px;--margins-top:0px;--margins-top--mobile:0px;--margins-bottom:0px;--margins-bottom--mobile:0px;--gap-size:115px;--icon-size:36px;--gradient:transparent;\">\t<div class=\"container\">\n\t\t<div class=\"features-general__features\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__icon-wrapper\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/feature-icon.svg\" alt=\"feature-icon\" class=\"features-general__feature-image\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature-title\">Save time<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__icon-wrapper\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/feature-icon.svg\" alt=\"feature-icon\" class=\"features-general__feature-image\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature-title\">Receive funds electronically<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__icon-wrapper\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/feature-icon.svg\" alt=\"feature-icon\" class=\"features-general__feature-image\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature-title\">Meet financial forecasts<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__icon-wrapper\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/feature-icon.svg\" alt=\"feature-icon\" class=\"features-general__feature-image\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"features-general__feature-title\">Reduce risk<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"hero-general-block_48f4ea3bfaff8f477c934105d2b03897\" class=\"block hero-general block--v2 no-images hero-general--banner hero-general--dark-text\" data-block=\"hero-general\" data-block-version=\"v2\" style=\"--block-pb: 50px; --block-mt: 60px; --block-mt-mobile: 70px; --block-mb: 100px; --block-mb-mobile: 70px; --block-bg: #ffffff; --block-bg: #ffffff\">\n\t<div class=\"hero-general__inner-wrapper \">\n\t\t<div class=\"hero-general__content-wrapper\">\n\t\t\t<div class=\"hero-general__title\">Treasury Management Services that keep you in control of incoming and outgoing payments  <\/div>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n<\/section>\n\n<section id=\"helper-cards-general-block_216f2985eee1397658edde07fa0bb8a7\" class=\"block helper-cards-general block--v2 green\" data-block=\"helper-cards-general\" data-block-version=\"v2\" style=\"--padding-top: 0px; --paddings-top--mobile: 0px; --paddings-bottom: 0px; --paddings-bottom--mobile: 0px; --margins-top: 0px; --margins-top--mobile: 0px; --margins-bottom: 60px; --margins-bottom--mobile: 55px; --filters-bg-color: #FFF; --cards-bg-color: transparent; --filters-padding-top: 0; --filters-padding-bottom: 0; --filters-padding-bottom--mobile: 0; --gradient: #ffffff\">    <div class=\"container\">\n        \n            <!-- Filters -->\n                <div class=\"helper-cards-general__filters-wrapper\">\n        <div class=\"helper-cards-general__filters-background\"><\/div>\n        <div class=\"helper-cards-general__filter-buttons-wrapper\">\n                                                            <button type=\"button\"\n                            class=\"btn helper-cards-general__filter-button active\"\n                            data-target=\"receivables-management\"\n                            onclick=\"toggleGroup( this, this.dataset.target )\">\n                        Receivables Management                    <\/button>\n                                                                                    <button type=\"button\"\n                            class=\"btn helper-cards-general__filter-button \"\n                            data-target=\"payables-management\"\n                            onclick=\"toggleGroup( this, this.dataset.target )\">\n                        Payables Management                    <\/button>\n                                                                                    <button type=\"button\"\n                            class=\"btn helper-cards-general__filter-button \"\n                            data-target=\"risk-management\"\n                            onclick=\"toggleGroup( this, this.dataset.target )\">\n                        Risk Management                    <\/button>\n                                                        <\/div>\n    <\/div>\n\n            <!-- Groups of the cards -->\n            \t\t        \n    <div id=\"receivables-management\"\n         class=\"helper-cards-general__group-wrapper active template-columns\"> \n\n        <!-- The Cards -->\n                    <div class=\"helper-cards-general__cards\">\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Incoming Wire Transfers<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Receive payments electronically deposited directly into your account.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Receive funds as soon as the same day<\/li>\r\n \t<li>Get alerts when payments are received<\/li>\r\n \t<li>Provide your account number and wire transfer routing number to your sender. International senders will need the SWIFT Code.<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Direct Debit<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Secure and efficient payment collection to streamline electronic receivables and improve cash flow.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Eliminate manual processing of paper checks<\/li>\r\n \t<li>Avoid mail handling and delays<\/li>\r\n \t<li>Enhance cash flow with funds electronically deposited directly into your account<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Merchant Services<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Accept credit, debit, and gift card payments from your customers.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Give your customers more ways to pay in-person and online<\/li>\r\n \t<li>Funds are available in your account in as soon as 48 hours<\/li>\r\n \t<li>Select mobile device and point of sale terminals<\/li>\r\n \t<li>Understand customer purchasing and payment patterns with robust reporting<\/li>\r\n \t<li>No contract or cancellation fees<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Zelle<sup>\u00ae<\/sup> for your small business<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Accept payments from your customers, other small businesses, and vendors.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                            <a target=\"_blank\" class=\"helper-cards-general__link btn green-underline\"  title=\"Learn more\" target=\"_blank\"href=\"https:\/\/staging.banescousa.com\/business\/zelle\/\">Learn more<\/a>                                                                                                                                                <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Fast, easy and secure<\/li>\r\n \t<li>Send payment requests and view received payments in Online Banking and the mobile app<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Mobile Check Deposit<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Use the camera on your phone to deposit checks into your business account from wherever you are.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Save time and manual tasks like a trip to the bank<\/li>\r\n \t<li>Receive confirmation that your mobile check deposit is processing<\/li>\r\n \t<li>Get account alerts when funds are available in your account<\/li>\r\n<\/ul>\r\n\r\n<strong>Download the app<\/strong><\/div>                            \n                            <!-- Card Images\/Links -->\n                                                            <div class=\"helper-cards-general__icons\">\n                                                                            <a href=\"https:\/\/apps.apple.com\/us\/app\/banesco-usa\/id1452365046\" class=\"helper-cards-general__icon-link\" title=\"App Store\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/11\/app-store-2.svg\" alt=\"app-store-2\" class=\"helper-cards-general__icon\" \/><\/a>                                                                            <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.banescousa3850.mobile&#038;hl=es_DO\" class=\"helper-cards-general__icon-link\" title=\"Google Play\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/11\/google-play-2.svg\" alt=\"google-play-2\" class=\"helper-cards-general__icon\" \/><\/a>                                                                    <\/div>\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Remote Deposit Capture<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Select the account to accept a deposit and scan checks individually or in batches.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Deposit checks using a desktop scanner<\/li>\r\n \t<li>Equip one or multiple locations with a scanner for efficient deposits<\/li>\r\n \t<li>Use as an alternative to mobile check deposit to save administrative time<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Lockbox Services<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Securely receive incoming payments with processing handled by dedicated specialists.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Tenant, customer and vendor payments are mailed to a Banesco USA P.O. Box for collection, processing, and deposit into your account<\/li>\r\n \t<li>View online activity to track incoming payments and manage cash flow<\/li>\r\n \t<li>Eliminate employee handling of payments and save time, improve accuracy, and reduce risk<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Cash Services<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Cash Services allow you to manage your currency with a full-scale solution for armored transport, deposit processing, and change orders, reducing risk and accelerating cash flow.<sup>1<\/sup><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Offer customers, vendors, and suppliers the option to pay electronically for goods and purchases<\/li>\r\n \t<li>Receive funds directly into your account faster than traditional ACH transfers<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                            <\/div> <!-- \/.helper-cards-general__cards -->\n        \n    <\/div> <!-- \/.helper-cards-general__group -->\n    \n    <div id=\"payables-management\"\n         class=\"helper-cards-general__group-wrapper  template-columns\"> \n\n        <!-- The Cards -->\n                    <div class=\"helper-cards-general__cards\">\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Outgoing Wire Transfers<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Add security and control to same-day payments that are disbursed directly to beneficiaries\u2019 bank accounts.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Initiate domestic and international wire transfers online or in the mobile app<\/li>\r\n \t<li>Set up one-time or recurring transfers<\/li>\r\n \t<li>Use online templates to create and save beneficiary information for recurring wires<\/li>\r\n \t<li>Set user roles and establish dual permissions for increased control<\/li>\r\n \t<li>Receive account alerts when funds are transmitted<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">ACH Origination<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Stay on budget and enhance cash flow by timing when outgoing payments are debited from your account.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Originate transactions online or in the mobile app<\/li>\r\n \t<li>Reduce errors associated with manual processing<\/li>\r\n \t<li>Pay employees with Direct Deposit<\/li>\r\n \t<li>Upload payment information to transfer funds in bulk<\/li>\r\n \t<li>Same day processing available<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Cash Services<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Cash Services allow you to manage your currency with a full-scale solution for armored transport, deposit processing, and change orders, reducing risk and accelerating cash flow.<sup>1<\/sup><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Schedule by 12:00 pm ET to ensure same-day transmission of funds<\/li>\r\n \t<li>Efficiently handle urgent payments and time-sensitive transactions<\/li>\r\n \t<li>Send funds faster than traditional Direct Debit transfers which may take one to two business days to complete<\/li>\r\n \t<li>Add ACH Positive Pay for an extra layer of security and to block unauthorized transactions before they are processed<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Zelle<sup>\u00ae<\/sup> for your small business<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Send funds to eligible small business customers and vendors.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                            <a target=\"_blank\" class=\"helper-cards-general__link btn green-underline\"  title=\"Learn more\" target=\"_blank\"href=\"https:\/\/staging.banescousa.com\/business\/zelle\/\">Learn more<\/a>                                                                                                                                                <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Use Online Banking or Mobile Banking to originate payments<\/li>\r\n \t<li>Send funds using a U.S. email address or mobile number<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Online Bill Pay<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Improve efficiency and save time by paying bills in Online Banking and the Mobile Banking app.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                                                            <div class=\"helper-cards-general__button-wrapper\">\n                                                                                                                                                                                                                            <\/div>\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Schedule payments in advance<\/li>\r\n \t<li>Set up payments for recurring expenses<\/li>\r\n \t<li>Pay anyone \u2013 if payee does not accept digital payments we mail a paper check<\/li>\r\n \t<li>View payee details all in one place<\/li>\r\n \t<li>Sort and view payment history by date, payee and amount<\/li>\r\n \t<li>Download transactions to Quicken<sup>\u00ae<\/sup>\u00a0and Quickbooks<sup>\u00ae<\/sup><\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                            <\/div> <!-- \/.helper-cards-general__cards -->\n        \n    <\/div> <!-- \/.helper-cards-general__group -->\n    \n    <div id=\"risk-management\"\n         class=\"helper-cards-general__group-wrapper  template-columns\"> \n\n        <!-- The Cards -->\n                    <div class=\"helper-cards-general__cards\">\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">ACH Positive Pay<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">ACH Positive Pay is real-time, secure transaction monitoring that protects your business from financial losses due to fraud.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Identify suspicious transactions instantly and take action online or in the mobile app<\/li>\r\n \t<li>Simplify payments with pre-authorized transactions and vendor management<\/li>\r\n \t<li>Minimize financial risk with real-time monitoring and detailed reports<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Payee Positive Pay<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Add an extra layer of fraud detection and prevention to check transactions.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Check information is matched to information you upload, including check number, amount, and payee, prior to being paid<\/li>\r\n \t<li>If the information doesn\u2019t match, you receive an exception notification for online review to approve or reject processing<\/li>\r\n \t<li>Improve accounting accuracy with check reconciliation and stale check verification reports<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">ICS<sup>\u00ae<\/sup> and CDARS<sup>\u00ae<\/sup><\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\">Simple, safe, secure access to millions of dollars in FDIC insurance through your relationship with Banesco USA.<\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Available for deposit balances above the standard FDIC insurance maximum amounts<\/li>\r\n \t<li>Earn interest on funds in demand deposit accounts at FDIC-insured banks that are members of the IntraFi network<\/li>\r\n \t<li>24\/7 online access to your accounts<\/li>\r\n \t<li>Receive one consolidated statement from Banesco USA for efficient recordkeeping<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                \n                    <div class=\"helper-cards-general__card\">\n\n                        <!-- Cards Header -->\n                        <div class=\"helper-cards-general__card-header\">\n                            <p class=\"helper-cards-general__card-title\">Account Reconciliation<\/p>                        <\/div> \n\n                        <!-- Card Body -->\n                        <div class=\"helper-cards-general__card-body\">\n\n                            <!-- Card Content -->\n                            <div class=\"helper-cards-general__card-content visible-content\"><div class=\"helper-cards-general__card-content visible-content\">Automate your account reconciliation, streamline your financial processes, and gain instant insights into your business transactions.<\/div><\/div>\n                            <!-- Card ctas -->\n                                                            <p class=\"helper-cards-general__toggle-card-text\" data-readmoretext=\"More\" data-readlesstext=\"Less\">More<\/p>                            \n                            <!-- Card Buttons -->\n                            \n                            <!-- Card Hidde Content -->\n                                                            <div class=\"helper-cards-general__card-content hidden-content\"><ul>\r\n \t<li>Optimize account reconciliation processes<\/li>\r\n \t<li>Minimize operational costs<\/li>\r\n \t<li>Efficiently identify and report discrepancies<\/li>\r\n<\/ul><\/div>                            \n                            <!-- Card Images\/Links -->\n                            \n                        <\/div> <!-- \/.helper-cards-general__card-body -->\n                    <\/div> <!-- \/.helper-cards-general__card -->\n\n                            <\/div> <!-- \/.helper-cards-general__cards -->\n        \n    <\/div> <!-- \/.helper-cards-general__group -->\n                \n            <\/div>\n<\/section>\n\n<section id=\"all-in-one-block_2f73e632f7f96f8d5498783c3e4b3c4e\" class=\"block all-in-one block--v2 full-width opa block-color--green\" data-block=\"all-in-one\" data-block-version=\"v2\" style=\"--padding-top: 60px; --paddings-top--mobile: 70px; --paddings-bottom: 80px; --paddings-bottom--mobile: 70px; --margins-top: 60px; --margins-top--mobile: 75px; --margins-bottom: 0px; --margins-bottom--mobile: 0px; --title-color: #3a3a3a; --subtitle-color: #08543c; --gradient: #f7f9fb\">    <div class=\"container\">\n\n        <h2 class=\"all-in-one__title all-in-one__title--big\">Reduce the risk of fraud with ACH Positive Pay and Payee Positive Pay<\/h2>        <h3 class=\"all-in-one__subtitle\"><span style=\"font-weight: 400\">Prevent unauthorized payments with proactive security measures<\/span><\/h3>\n        <!-- Loans -->\n        \n        <!-- Features Containers -->\n                    <div class=\"all-in-one__inner-wrapper\">\n\n            \n            <!-- Row - Features -->\n            <div class=\"all-in-one__row\">\n                                                            <div class=\"all-in-one__col all-in-one__col--start column-one-fourth\">\n                            <div class=\"all-in-one__feature-wrapper\">\n                                <img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/05\/icon-shield-controls.svg\" alt=\"\" class=\"all-in-one__feature-icon\" \/>                                <h2 class=\"all-in-one__feature-title\">ACH Positive Pay<\/h2>                                <p class=\"all-in-one__feature-note\">Prior to processing, automated review compares pending ACH transactions with an approved transaction list you create and upload. If the information does not match, you determine whether the transaction is processed or rejected.<\/p>                            <\/div>\n                        <\/div>\n                                            <div class=\"all-in-one__col all-in-one__col--start column-one-fourth\">\n                            <div class=\"all-in-one__feature-wrapper\">\n                                <img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/07\/icon-shield-user.svg\" alt=\"\" class=\"all-in-one__feature-icon\" \/>                                <h2 class=\"all-in-one__feature-title\">Payee Positive Pay<\/h2>                                <p class=\"all-in-one__feature-note\">When a check is presented for payment, it\u2019s automatically compared to a list of authorized checks with information you upload, including payee name, check number, and amount. Potentially fraudulent checks are flagged as exceptions for you to approve or reject.<\/p>                            <\/div>\n                        <\/div>\n                                            <div class=\"all-in-one__col all-in-one__col--start column-one-fourth\">\n                            <div class=\"all-in-one__feature-wrapper\">\n                                <img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/07\/icon-info.svg\" alt=\"\" class=\"all-in-one__feature-icon\" \/>                                <h2 class=\"all-in-one__feature-title\">How it works<\/h2>                                <p class=\"all-in-one__feature-note\">The information on each ACH payment or check is automatically compared to a list of authorized payments or payees you upload. If the information matches, the transaction is processed. If the information doesn\u2019t match, you receive an online exception notice to approve or reject the transaction.<\/p>                            <\/div>\n                        <\/div>\n                                                <\/div>\n            <!-- Row - CTA -->\n                            <div class=\"all-in-one__row\">\n                    <div class=\"all-in-one__col all-in-one__col--start\">\n                        <a class=\"all-in-one__btn btn green-white\"  title=\"\" target=\"\"href=\"#bottom-form-container\">Inquire now<\/a>                    <\/div>\n                <\/div>\n                    <\/div>\n    \n        <!-- Steps -->\n        \n    <\/div>\n<\/section>\n\n<section id=\"two-column-image-text-general-block_1ab19db2ce3d8471bcfd7278c4490ba4\" class=\"block two-column-image-text-general rounded-borders title-40-reg\" style=\"--padding-top: 30px; --paddings-top--mobile: 40px; --paddings-bottom: 0px; --paddings-bottom--mobile: 0px; --margins-top: 0px; --margins-top--mobile: 0px; --margins-bottom: 0px; --margins-bottom--mobile: 0px; --gradient: #143b64\">\n    <div class=\"container\">\n\n        <div class=\"two-column-image-text-general__inner-container image-content m-content-image\">\n            <div class=\"two-column-image-text-general__image-wrapper\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"673\" height=\"766\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/03\/treasury-global-payment-processing.png\" class=\"two-column-image-text-general__image desktop image-content overflow-top  \" alt=\"\" data-target=\"\" data-targeturlpath=\"\" \/>            <img loading=\"lazy\" decoding=\"async\" width=\"673\" height=\"766\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/03\/treasury-global-payment-processing.png\" class=\"two-column-image-text-general__image mobile image-content overflow-bottom  \" alt=\"\" data-target=\"\" data-targeturlpath=\"\" \/>        <\/div>\n        <div class=\"two-column-image-text-general__content-wrapper\" style=\"color: #FFFFFF\">\n            <h2 class=\"two-column-image-text-general__title\" style=\"color: #ffffff\">Merchant Services <\/h2>            <div class=\"two-column-image-text-general__content\">Offer your customers more convenient ways to pay using credit, debit, and gift cards, and efficiently process electronic transactions to enhance cash flow<\/div>                            <div class=\"two-column-image-text-general__button-wrapper\">\n                                                                        <a class=\"two-column-image-text-general__btn btn btn--white-outline\"  title=\"Inquire now\" target=\"\" style=\"\"href=\"#bottom-form-container\">Inquire now<\/a>                                                            <\/div>\n                    <\/div>\n        \n    <div class=\"two-column-image-text-general__iframe-wrapper\" data-videourlpath=\"\">\n        <video controls autoplay width=\"960px\" height=\"540px\" name=\"media\" src=\"\"><\/video> \n    <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>\n\n\n\n<div id=\"purchashing-card\"><\/div>\n\n\n<section id=\"new-cols-card-block_8923b1226c00e8c7ed89729292297263\" class=\"block new-cols-card block--v2 grey\" data-block=\"new-cols-card\" data-block-version=\"v2\" style=\"--block-bg: transparent\">\t<div class=\"container\" >\n\t\t<div class=\"new-cols-card__content\">\n\t\t\t<h2>Streamline business expense tracking with set spending limits<\/h2>\n<p>Give your employees the convenience of paying for purchases and reimbursable expenses with a Visa Purchasing card and earn cash back for your business<sup>2<\/sup><\/p>\n<p><a class=\"btn btn--green\" href=\"#triggermodal-Purchasecardinqurenow\">Inquire now<\/a><\/p>\n\t\t<\/div>\n\t\t<div class=\"new-cols-card__card\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/themes\/Banesco_2026\/blocks-general\/new-cols-card\/banesco-pay-card.png\"\n\t\t\t\talt=\"Banesco Purchasing Card\" \/>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"new-bottom-form-block_229e1f38fc1fb466c2dd50bd55f6e504\" class=\"block new-bottom-form block--v2 variant--title-in\" data-block=\"new-bottom-form\" data-block-version=\"v2\" style=\"--block-bg: transparent\">\n<a id=\"new_bottom_form\"><\/a>\n<div class=\"container\" id=\"bottom-form-container\">\n\t<div class=\"new-bottom-form__content-wrapper\">\n\t\t\t\t\t<div class=\"new-bottom-form__form-card\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"new-bottom-form__heading\">Explore the benefits of Treasury Management Services<\/h2>\n\t\t\t\t\t\t\t\t<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_31' ><div id='gf_31' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n                            <h2 class=\"gform_title\">Bank with experts (TM &#8211; US)<\/h2>\n                            <p class='gform_description'><\/p>\n\t\t\t\t\t\t\t<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_31' id='gform_31'  action='\/wp-json\/wp\/v2\/pages\/4792#gf_31' data-formid='31' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_31' class='gform_fields top_label form_sublabel_above description_above validation_below'><div id=\"field_31_4\" class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_31_4'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_4' id='input_31_4' type='text' value='' class='large'    placeholder='Your Name' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_31_2\" class=\"gfield gfield--type-email gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_31_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_31_2' type='email' value='' class='large'   placeholder='example@myemail.com' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_31_5\" class=\"gfield gfield--type-phone gfield--width-full mb gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_31_5'>Telephone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_31_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_31_3\" class=\"gfield gfield--type-textarea gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_31_3'>We&#039;d like to learn more about your company before our conversation.<span class=\"gfield_required\"><span class=\"gfield_required 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data-field-class=\"gform_editor_submit_container\" data-field-position=\"inline\" ><input type='submit' id='gform_submit_button_31' class='gform-button gform-button--white  button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/><\/div><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'>  <input type='hidden' name='gform_ajax' value='form_id=31&amp;title=1&amp;description=1&amp;tabindex=0&amp;theme=gravity-theme&amp;styles=[]&amp;hash=00e05b0d1e05698ac6588179a58225b8' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_31' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_31' id='gform_theme_31' value='gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_31' id='gform_style_settings_31' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_31' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='31' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_31' value='WyJbXSIsImYwYjU2MTUyYzgzNjY4ODJhYjVlOThhNjY0ZTA4M2I3Il0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_31' id='gform_target_page_number_31' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_31' id='gform_source_page_number_31' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_31' id='gform_ajax_frame_31' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 31, 'https:\/\/banescousa.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_31').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_31');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_31').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 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rounded-borders\" data-block=\"contacts\" data-block-version=\"v2\" style=\"--block-pt: 80px; --block-pt-mobile: 70px; --block-pb: 80px; --block-pb-mobile: 70px; --block-bg: #08543c\">    <div class=\"container\">\n      <div class=\"contacts__inner-wrapper\" style=\"--title-color: #ffffff\">\n\t      <h3 class=\"contacts__title\">Contact us to start your relationship <\/h3>                  <div class=\"contacts__cards\">\n                            <div class=\"contacts__card\"\n                    style=\"background: #125b44; color: #ffffff \">\n                <img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/location_on_FILL0_wght300_GRAD0_opsz48-2-1.png\" class=\"contacts__icon\" alt=\"\" style=\"color: #ffffff\" \/>                <p class=\"contacts__card-title\" style=\"color: #ffffff\">Visit<\/p>                <a target=\"_blank\" class=\"contacts__link btn white-underline\"  title=\"Find a Banking Center\" target=\"_blank\"href=\"\/banking-centers\/\">Find a Banking Center<\/a>                <\/div>\n                            <div class=\"contacts__card\"\n                    style=\"background: #125b44; color: #ffffff \">\n                <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/mail_FILL0_wght300_GRAD0_opsz48-1.png\" class=\"contacts__icon\" alt=\"\" style=\"color: #ffffff\" \/>                <p class=\"contacts__card-title\" style=\"color: #ffffff\">Email <\/p>                <a target=\"_blank\" class=\"contacts__link btn white-underline\"  title=\"customerservice@banescousa.com\" target=\"_blank\"href=\"mailto:customerservice@banescousa.com\">customerservice@banescousa.com<\/a>                <\/div>\n                            <div class=\"contacts__card\"\n                    style=\"background: #125b44; color: #ffffff \">\n                <img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"68\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2023\/08\/call_FILL0_wght300_GRAD0_opsz48-1.png\" class=\"contacts__icon\" alt=\"\" style=\"color: #ffffff\" \/>                <p class=\"contacts__card-title\" style=\"color: #ffffff\">Call<\/p>                <a target=\"_blank\" class=\"contacts__link btn white-underline\"  title=\"1-888-228-1597\" target=\"_blank\"href=\"tel:1-888-228-1597\">1-888-228-1597<\/a>                <\/div>\n                      <\/div>\n              <\/div>\n    <\/div>\n<\/section>\n\n\t\t\t<div id=\"triggermodal-Purchasecardinqurenow\" class=\"triggermodal-modal\">\n\t\t\t<div class=\"triggermodal-modal-container\">\n\t\t\t\t<a href=\"#\" class=\"triggermodal-modal-close\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\">\n\t\t\t\t\t\t<path\n\t\t\t\t\t\t\td=\"M1.23639 13.3075L0.324219 12.2538L5.17183 6.65375L0.324219 1.05375L1.23639 0L6.084 5.6L10.9316 0L11.8438 1.05375L6.99618 6.65375L11.8438 12.2538L10.9316 13.3075L6.084 7.7075L1.23639 13.3075Z\"\n\t\t\t\t\t\t\tfill=\"#3C3C3C\" \/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"triggermodal-modal-content\">\n\t\t\t\t\t<h2 style=\"text-align: center;font-size: 30px\">Explore Purchasing Card benefits<\/h2>\n<div class=\"forms forms__form\">\n<div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_33' >\n<div id='gf_33' class='gform_anchor' tabindex='-1'><\/div>\n<div class='gform_heading'>\n<p class='gform_description'>\n<p class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n<\/p><\/div>\n<form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_33' id='gform_33'  action='\/wp-json\/wp\/v2\/pages\/4792#gf_33' data-formid='33' novalidate>\n<div class='gform-body gform_body'>\n<div id='gform_fields_33' class='gform_fields top_label form_sublabel_above description_above validation_below'>\n<div id=\"field_33_4\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_33_4'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><\/p>\n<div class='ginput_container ginput_container_text'><input name='input_4' id='input_33_4' type='text' value='' class='large'    placeholder='Your Name' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div>\n<\/div>\n<div id=\"field_33_2\" class=\"gfield gfield--type-email gfield--input-type-email gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_33_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><\/p>\n<div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_33_2' type='email' value='' class='large'   placeholder='example@myemail.com' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div>\n<\/div>\n<div id=\"field_33_5\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-full mb gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_33_5'>Telephone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><\/p>\n<div class='ginput_container ginput_container_phone'><input name='input_5' id='input_33_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div>\n<\/div>\n<div id=\"field_33_3\" class=\"gfield gfield--type-textarea gfield--input-type-textarea gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_33_3'>We&#039;d like to learn more about your company before our conversation.<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><\/p>\n<div class='ginput_container ginput_container_textarea'><textarea name='input_3' id='input_33_3' class='textarea small'   maxlength='600'  aria-required=\"true\" aria-invalid=\"false\"   rows='10' cols='50'><\/textarea><\/div>\n<\/div>\n<div id=\"field_33_7\" class=\"gfield gfield--type-captcha 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respond within one business day.","_banesco_ppc_landing_form_disclaimer":"Your information is confidential and used only to discuss your financing needs. 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Import\/Export\",\"copy\":\"Inventory and cash-flow financing for businesses managing global trade and seasonal cycles\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"split_story\",\"theme\":\"white\",\"columns\":2,\"eyebrow\":\"A note from our team\",\"heading\":\"When timing matters, capital must move the way your business does\",\"copy\":\"Hear how our commercial bankers approach financing for mid-market businesses\u2014what we\u2019re seeing in the market right now, what matters when structuring capital, and how we build relationships that last beyond a single transaction.\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"https:\/\/banescousa.com\/video\/Banesco-20-Years-1080-Final.mp4\",\"media_id\":0,\"items\":[]},{\"type\":\"cta_band\",\"theme\":\"green\",\"columns\":2,\"eyebrow\":\"\",\"heading\":\"When businesses reevaluate their banking relationship\",\"copy\":\"If any of these sound familiar, it may be time for a financing structure built around your business.\",\"cta_text\":\"Talk to a banker who understands\",\"cta_url\":\"#campaign-form\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Growth is outpacing your current bank\u2019s flexibility\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Your needs have become more complex than off-the-shelf\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Liquidity is constrained in the current rate environment\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"You need more flexible capital and faster decisions\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Expansion requires a new financing structure\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Turnover at your bank has cost you continuity and relationships\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"stat_grid\",\"theme\":\"white\",\"columns\":3,\"eyebrow\":\"Real-world business outcomes\",\"heading\":\"Recently structured for Broward businesses\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"CFO, Broward import u0026amp; distribution company\",\"value\":\"$12.5M\",\"title\":\"Working Capital Line + Wholesale\/Import\",\"copy\":\"\u201cTheir team structured a borrowing base around our seasonal inventory cycle. Our previous bank couldn\u2019t move fast enough\u2014Banesco USA closed in weeks.\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"President, precision manufacturing firm\",\"value\":\"$8.2M\",\"title\":\"Equipment Financing + Manufacturing\",\"copy\":\"\u201cWe needed to scale production capacity. The financing was built around our cash flow, not just collateral, and the banker understood our business.\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Managing Partner, multi-site healthcare group\",\"value\":\"$15M\",\"title\":\"Term + CRE + Healthcare Group\",\"copy\":\"\u201cMulti-location expansion required a partner who could think strategically. We finally have a banking relationship that keeps pace with us.\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"people_grid\",\"theme\":\"mist\",\"columns\":3,\"eyebrow\":\"\",\"heading\":\"Financing structures used by growing businesses\",\"copy\":\"Flexible capital aligned to your operations, timing, and long-term strategy.\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"Senior Vice President\",\"value\":\"Broward Markets Executive\",\"title\":\"Joshua Montagna\",\"copy\":\"Manufacturing, logistics, and working-capital structures\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Senior Vice President\",\"value\":\"CRE Relationship Manager\",\"title\":\"Kimberly Cagliano\",\"copy\":\"Aviation, marine, and equipment finance\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Assistant Vice President\",\"value\":\"BBF Relationship Manager\",\"title\":\"Levan Ruiz\",\"copy\":\"Healthcare groups and multi-location enterprises\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"faq\",\"theme\":\"white\",\"columns\":1,\"eyebrow\":\"Key considerations in commercial lending\",\"heading\":\"What mid-market borrowers are evaluating\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"What influences how commercial financing is structured?\",\"copy\":\"Structure is influenced by your business\u2019s cash flow, collateral, industry, growth plans, repayment capacity, and overall financial profile. The goal is to align financing with how your business operates and how the capital will be used.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How does cash flow impact lending?\",\"copy\":\"Cash flow helps lenders understand your business\u2019s ability to repay debt while continuing to manage operations. Strong, consistent cash flow may support larger or more flexible financing structures.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"What can Cu0026amp;I loans be used for?\",\"copy\":\"Commercial and industrial loans can support working capital, equipment purchases, inventory, expansion, acquisitions, and other business needs. The use of funds depends on your company\u2019s goals and the structure of the loan.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How are Cu0026amp;I loans different from commercial real estate loans?\",\"copy\":\"Cu0026amp;I loans are typically used for business operations, equipment, working capital, or growth needs. Commercial real estate loans are tied to the purchase, refinance, or improvement of property.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How do lenders evaluate business cash flow?\",\"copy\":\"Lenders review financial statements, tax returns, debt obligations, revenue trends, margins, and operating performance. They look for your business\u2019s ability to generate enough cash to support both operations and repayment.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"What is the typical loan size for mid-market businesses?\",\"copy\":\"Loan size depends on your business\u2019s financial profile, cash flow, use of funds, and overall lending need. Banesco USA typically works with commercial financing needs in the $10 million to $20 million range.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How long does the commercial lending process take?\",\"copy\":\"Timing depends on the complexity of the request, the documentation available, and the structure of the financing. Having organized financials and clear business objectives can help the process move more efficiently.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"When should a business seek new financing?\",\"copy\":\"Businesses often seek new financing when they are expanding, investing in equipment, managing liquidity, pursuing acquisitions, or preparing for a strategic opportunity. It may also be time to reevaluate financing when your current banking structure no longer supports growth.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How do market conditions affect borrowing?\",\"copy\":\"Interest rates, economic trends, industry conditions, and lender outlook can all influence borrowing decisions. A commercial banking partner can help you evaluate timing, structure, and options in the context of current conditions.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"insights\",\"theme\":\"white\",\"columns\":1,\"eyebrow\":\"\",\"heading\":\"\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[]},{\"type\":\"form_cta\",\"theme\":\"green\",\"columns\":2,\"eyebrow\":\"Start a conversation\",\"heading\":\"Financing built around your business \u2014 not the other way around\",\"copy\":\"Banesco USA is a relationship-driven commercial bank serving mid-market companies across Broward County and South Florida. We build banking relationships that support more than a single transaction.\",\"cta_text\":\"Start a conversation\",\"cta_url\":\"#campaign-form\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Long-term partnership through growth and market cycles\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Decision-making speed and efficient closings\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Bankers who understand your operations and industry\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]}]","_banesco_ppc_footer_disclaimer":"Loans are subject to credit approval and the Bank\u2019s credit policies. Additional conditions may apply.","_banesco_ppc_footer_identity_enabled":"0","_banesco_ppc_footer_logo_id":0,"_banesco_ppc_footer_legal_text":"Member FDIC \u00b7 Equal Housing Lender \u00b7 \u00a9 {year} Banesco USA. Serving Broward County &amp; South Florida.","footnotes":""},"category-for-page":[],"page-category":[],"class_list":["post-4792","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Treasury Management | Banesco USA<\/title>\n<meta name=\"description\" content=\"Discover our Treasury Management solutions for account and Risk Management, supported by our dedicated team. 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