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Cash Management Services

HomeStreet’s cash management services help you with the most critical aspects of your business finances – collecting funds, disbursing funds, managing funds and staying informed regarding the use of your funds.

We have designed a variety of products and services to help you manage your cash flow and business finances. We’ll work with you to determine the best combination of cash management services for your business. Because that’s what we do.   

Collecting Funds

ACH Origination                                                                                  
Collect payments electronically from consumer and corporate accounts, providing more accurate and timely collection of payments. (Credit approval required.)

Branch Deposits                                              
Make deposits during banking hours or after hours at a secure night drop.    

Cash Vault (Armored Car)                           
Manage both your time and cash flow. Armored car service available on a regular schedule from once a month to seven days a week, based on your needs.

Incoming Wire Transfers 
Arrange for incoming wire transfer notifications by email, fax or through Business Online Banking.

Convert your receivables into cash more quickly by setting up a Lockbox account.

Merchant Bankcard Services                     
Daily processing of credit card transactions completed at your business, over the phone or online.

Remote Deposit Capture                            
Deposit checks directly from your computer or desk top. Scan images of checks and send them electronically to your HomeStreet account.  We offer several Remote Deposit Capture services to meet your needs. X-press Deposit is designed for low-volume (less than 20 checks per month) and uses a flat-bed scanner connected directly to your PC. Access Xpress Deposit demo. Merchant Capture uses a special type of check scanner and is used for high-volume deposits. Access a Merchant Capture demo.  (Credit approval required for all Remote Deposit Capture services.)

Disbursing Funds

ACH Origination                                              

Electronically initiate payments to consumer and corporate customers and suppliers. EFTPS (federal) tax payments are also available.  (Credit approval required.)

Business Debit Card                                      
Quickly and easily make payments from your business checking account using a Business Debit card.

Corporate Credit Cards                                
Improve cash flow and easily track business expenses with your choice of Visa business credit cards.  (Credit approval required.)

Outgoing Wire Transfers                             
Initiate domestic and international wire transfers in US dollars (or foreign currency) using Online Business Banking or by sending a fax.

Managing Funds

Automatic Cash Sweep                                
Earn interest on excess account funds by setting up a Cash Sweep account. At the end of each business day, funds are automatically transferred between your business checking account and a special bank money market account. 

Automatic Loan Sweep                                
Reduce interest expense by setting up a Loan Sweep. At the end of each business day, funds are automatically transferred between your business checking account and your line of credit.

Dual Sweep                                                       
Combines an Automatic Cash Sweep and an Automatic Loan Sweep to manage borrowing costs efficiently and maximize interest earned.

HomeStreet Investment Services           
Additional investment options are available through HomeStreet’s Investment Services Department – See  for more information.

Zero Balance Accounts (ZBAs)                   
Reduces idle balances by consolidating deposits to a concentration account designated by the business. Reduces the risk of overdraft by automatic transfers from concentration accounts to disbursement accounts.

Staying Informed 

Account Analysis                                            
A consolidated monthly report summarizing all activity on your accounts. Your collected balances receive an earnings credit which can be used to offset each month’s service fees.

Positive Pay                                                      
View potentially fraudulent transactions before they impact your account. You make the decision either to pay or return any suspect items. 

ACH Positive Pay                                            
Prevent unauthorized incoming ACH debits on your accounts.

Business Online Banking                             
View account balance and transaction detail for your business checking and loan accounts, transfer between accounts, inquire on the status of transactions, and place stop payments. You determine the access rights for users authorized under your company’s Business Online Banking profile.

Check Images on CD ROM                           
A convenient long-term storage and retrieval solution for viewing images of paid checks.

Access images of current and past checking account statements.

EDI Reporting   
Receive same-day notification of incoming ACH transactions containing remittance data.

For additional information regarding any of the services listed on this page, please contact Cash Management at 855-839-6998 or 206-753-3600 (in Seattle) between the hours of 8am PST and 5pm PST, Monday through Friday.