Business Agriculture Wealth Personal Locations & ATMs Support Log In Business Banking Treasury Management Treasury Management Services Take control of your finances with treasury management services from Bremer Bank. Our local representatives will partner with you to implement secure, scalable solutions designed to optimize your working capital and better manage your cash flow. Connect with a business banker Locate a bank nearby Call 800‑908‑2265 PAYABLES RECEIVABLES FUNDS TRANSFER FRAUD MANAGEMENT VIRTUAL VAULT Payables Ensuring your business partners and vendors are paid efficiently is an important part of maintaining the relationships you rely on to keep your business moving forward. We make it simple to process these payments quickly and easily with traditional solutions such as ACH, wire transfer and credit card payment options. Or, for larger businesses seeking a more robust solution to reduce the cost of managing payables, we offer Bremer Integrated Payables — a comprehensive electronic B2B payment service. Learn more about payables Receivables Incoming cash is fundamental to the cash flow equation that keeps you in business. Ensuring you are able to process and convert incoming payments into cash quickly is where we can help. With solutions such as ACH services, Image Lockbox, merchant card services, remote deposits and wire transfers, we can streamline your receivables processing and improve cash flow. Learn more about receivables Funds Transfer Control account balances automatically Be sure your business has cash where and when you need it with automatic funds transfer services from Bremer Bank. Our business bankers will work with you to implement automated solutions that enable you to effectively manage funds in multiple accounts. Zero or Target Balance Account (ZBA/TBA) Maximize your cash flow by consolidating funds into a single master account using zero or target balance accounts. This solution is ideal for businesses that frequently transfer funds between accounts, incur excessive overdraft charges or maintain idle balances in several accounts. Automated Sweeps Maximize returns and minimize interest expenses by using a sweep account to automatically move excess funds to pay down lines of credit or add to investment accounts. Controlled Disbursement Maintain tighter control over your bank balances with a controlled disbursement account. We can help set up an account specifically for issuing checks with alerts that will let you know how much cash will clear the account each day. If there are excess funds, you can decide whether to transfer cash to pay down debt or invest for the future. Fraud Management Protect your business from fraudulent transactions The risks of check and electronic payment fraud are a reality of doing business today. Bremer Bank can help mitigate those risks and minimize losses with easy-to-use fraud management solutions. Our local treasury management representatives can help identify and integrate the right solutions to effectively monitor and protect your accounts. Positive Pay Positive Pay uses automation to prevent check fraud by uploading issued check files to review and decide on exception items online. Payee Verification For even greater protection, upgrade to Payee Verification — an optional service that offers an additional matching parameter that evaluates the payee name between the issued checks file and the actual check presented. ACH Positive Pay Protect your business from electronic fraud with ACH Positive Pay, which allows you to predefine which ACH debits can post by dollar limit, authorized vendor and more. Debit-Block For total account protection, debit-block prohibits all debits attempted on an account or can be defined to block all checks or ACH transactions. Virtual Vault There has never been a faster, more secure way for businesses to handle cash transactions. Virtual Vault is a smart safe that integrates hardware, software, service and security to streamline your cash deposits on-site and give you faster access to funds. Benefits of Virtual Vault Online banking packages for every business Get secure, scalable, real-time access to your financial accounts from anywhere with digital banking solutions from Bremer Bank. Learn more about digital banking Cultivating thriving communities We're here to help the people who grow our food, build our economy and call us neighbors meet their financial goals — now and in the future. Company About Us Careers Community Newsroom Insights Business Insights Agriculture Insights Wealth Insights See All Topics Support Lost or Stolen Cards Online Banking Help Security Tips and Tools See All Topics 800-908-2265 Security Privacy Accessibility Account Agreements © 2020 Bremer Financial Corporation. Deposit products offered by Bremer Bank. Member FDIC.