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Cash Management


Custom cash management solutions that evolve with you.

BMT has dedicated cash management professionals who work with you to identify tools to help you better manage the cash in your business. Whether you’re looking to maximize cash flow, collect receivables faster, control disbursements efficiently, or effectively manage your day-to-day operations, we’ll help customize a cash management solution for your business.

Managing Deposits and Collections

Maximizing the flow of cash into your accounts is critical. BMT provides valuable strategies that may make a difference.

E-Z Banking Remote Deposit1,3

Scan checks and electronically deposit them directly into your account.

Mobile Deposit3

Use your smartphone to deposit checks whenever, wherever, with the touch of a few buttons.

Lockbox Processing

A variety of regional and national collection points. Payments go directly to a P.O. Box in your name where items are retrieved, processed, and deposited into a predetermined account of your choice.

Merchant Processing1, 2

Accept virtually any type of credit card, while supporting you and your business with telephone, terminal, smartphone, and/or online authorization, including point-of-sale.

Concentration of Funds

Help control cash, moving it when and where it’s needed most. Use a Zero Balance account and BMT Online Banking ACH (Automated Clearing House) services to easily move funds between accounts and other banks.

Foreign Currency Account

Bryn Mawr Trust provides Foreign Currency Accounts to help our customers expand and optimize their international business. BMT offers twelve different currencies, in which our customers can hold funds. Foreign currency accounts are linked to the customer’s USD account. 

Standby Letters of Credit

A standby letter of credit supports the performance of contractual arrangements between two parties. The letter of credit is an independent obligation taken on by the issuing bank. The issuing bank commits to pay the beneficiary of the letter of credit in the event the contractual arrangement is not performed per its terms. Standby letters of credit have many applications but are often used in lieu of cash deposits. Commercial tenants commonly look to standby LC’s to offset the need for a security deposit on long term leases. They are also acceptable substitutes for bid bonds, performance guarantees, and warrantee bonds when submitting contract bids.

Trade Services

Bryn Mawr Trust’s International Services will work with your business to structure a tailor-made approach to streamlining your traditional trade transactions. We are committed to helping our customers deploy a global approach to managing risk.

Managing Disbursements

Timing disbursements, with a combination of automatic and manual controls, is simple with the tools we offer.

Domestic Wire Transfers

A safe and speedy way to send money in US and foreign currency.

International Wire Transfers

Bryn Mawr Trust provides market expertise and payment solutions that help organizations and individuals manage  international transactions. BMT’s dedicated Foreign Exchange team can help you manage the complexities of cross-border transactions and foreign exchange.

ACH Payments

Use ACH for bank-to-bank transfers to speed the flow of funds between you and vendors.

Direct Deposit

Transfer funds directly to your employees’ accounts, saving you time and money.

Zero Balance Accounts

Minimize idle balances by keeping funds in interest-­bearing accounts until they are needed; ideal for payroll and payable accounts.

Sweep Accounts

Maximize both earnings and opportunities while maintaining liquidity by using automated sweep services. Automatically links your business account to the BMT Sweep Account to ensure your money is always earning.

Insured Cash Sweep® 4

The Insured Cash Sweep (ICS®) automatically moves your money and provides you expanded FDIC insurance coverage by placing your funds into multiple smaller­ denomination at other institutions, thereby giving you maximum insurance and access to your money through BMT.

IntraFi Network DepositsSM 4

IntraFi provides FDIC deposit insurance coverage above the $250,000 limit by placing smaller-denomination CDs at multiple banks.


Controlling Fraud

Protecting you and your customers is something we take seriously.

Positive Payee/Positive Pay Per Item Match

Effective methods to protect against financial loss due to check fraud. As fraudulent checks become more common, BMT’s Positive Pay service can be critical to protecting your money.

ACH Debit Block

Prevent ACH debits from posting to your account(s).

ACH Debit Filter

Permit only selected ACH debits to post to your account(s).

Reporting & Analysis Tools

Up-to-the-minute status of your cash, initiate transactions anytime.

Commercial Online & Mobile Banking3

Flexibility to have multiple users with varying levels of authority to help you manage your business. Access to Wire, ACH, and other cash management tools.

eStatements

Have access to account transaction history, including check images. They’re convenient, fast, secure, and environmentally-friendly.

Small Business & Online Banking3

24-Hour access to real-time account information. Check your balance, pay bills, and make transfers. Export history to financial software or spreadsheets is all available in Online Banking.

EDI Reporting

Provides detailed invoice information associated with an ACH credit/debit. This information can be sent via secure email.