Treasury Management as a Growth Strategy for Community Banks

As community-minded leaders in the financial industry, we all know that growing deposits will be one of this year’s greatest business challenges.

While it’s a big hurdle, it’s an even bigger opportunity. And the best way to start is by looking at the businesses in your backyard. That’s because business deposits represent a huge source of growth potential. The thing is, fintechs know it.

Fintechs are already targeting these businesses with embedded treasury services like real-time cash visibility and embedded payments.

If your community financial institution wants to win with larger businesses and commercial accountholders in your communities, you need to offer these types of services too.

Why Business Deposits Matter for Treasury Management and Bank Growth

Financial services typically provided by treasury management platforms are becoming a real need for mid-sized businesses, municipalities, and the growing healthcare industry.

Mainstreet financial institutions need to offer these financial services to continue serving these local businesses.

What Businesses Expect From Modern Treasury Management Services

Think about what your business accountholders need to run smoothly:

• The ability to originate payments at scale when and where a business needs

• On-the-go mobile access to information and key tasks like payment approvals

• Tools like Positive Pay to mitigate check fraud

• Reporting that enables a business to manage account balances and reconcile transactions

• These are the basics. They aren’t “nice-to-haves” anymore.

Treasury Management Solutions That Help Community Banks Compete

At Jack Henry^®, we’ve built a treasury management platform designed for community banks to deliver exactly what businesses expect:

• ACH and wire capabilities, ideal for businesses in your community like title companies and healthcare groups

• Support for hundreds of accounts, perfect for organizations with lots of moving parts or decentralized processes

• Secure workflows with separation of duties for municipalities and multi-location businesses

• A clean, mobile-friendly experience so everyone from treasurers to accounts payable can keep things moving anytime, anywhere

• Strong fraud protection with Positive Pay and real-time alerts

• File-based integration for accounting systems

Why Treasury Management Builds Long‑Term Business Deposit Growth

Here’s the best part: once treasury management becomes part of a business’s workflow, it’s hard to unwind. That means long-term relationships and recurring revenue for your financial institution.

How Treasury Management Supports Deposit Growth for Community Banks

If growing deposits is a top priority, start with the businesses in your backyard. Treasury management is the right tool to drive your strategic growth.

Need help deciding if treasury management is a good fit for your long-term strategy? Consider these key questions to guide your decision.