Treasury Management

Solutions built around how Maryland businesses actually run

We don’t do one-size-fits-all packages. Whether you’re a growing small business, an established employer, or a nonprofit serving the community, our Business Banking Team will help you match the right tools to the way your business operates. Rosedale Bank’s business and treasury management services combine modern financial tools with the personal attention of a true community bank — so you can streamline payments, improve cash flow, and strengthen day-to-day operations with a team that actually knows your market.

Collect Payments Faster

Get paid the way your customers want to pay — and get funds into your account quickly.

Remote Deposit Capture

Deposit business checks without leaving your office. Remote Deposit Capture (RDC) allows businesses to scan checks on your mobile phone or use a secure desktop scanner and electronically transmit deposits directly to Rosedale Bank.

Instead of making trips to the branch, you can deposit checks from your workplace, speed up cash flow, and streamline your accounts receivable process. In most cases, funds are available the next business day.

Benefits include:

• Deposit checks on your schedule from your office or business location
• Reduce trips to the bank
• Improve cash flow with faster deposit processing
• Streamline back-office operations
• Access deposit history and reporting
• Secure online platform with user permissions and controls

Ideal for: Businesses with any volume of check deposits – from mobile, single-feed scanners to multi-feed scanners for high-volume users.

Merchant Services

Accept credit cards, debit cards, contactless payments, and digital wallet payments in-store, online, or on the go. Rosedale Bank’s Merchant Services solutions help businesses process payments securely, improve cash flow, and deliver a convenient payment experience for customers.

Whether you operate a retail store, restaurant, professional practice, nonprofit, or service-based business, we offer reliable payment processing solutions, PCI-compliant technology, competitive pricing, and tools that integrate with your day-to-day operations.

Benefits include:

• Accept credit, debit, and contactless payments
• Process payments online, in person, or by mobile device
• Access modern point-of-sale (POS) solutions
• Improve cash flow with faster payment processing
• Benefit from secure, PCI-compliant technology

Ideal for: Businesses that need to accept payments quickly and reliably — especially those with steady, in-person or online transactions.

Autobooks

Send invoices, accept payments, and manage cash flow directly within your Rosedale Bank online banking account. Autobooks helps small businesses simplify billing and get paid faster without switching between multiple apps or payment platforms.

Create professional invoices in minutes, accept credit card, debit card, and ACH payments, track incoming payments, and receive funds directly into your Rosedale Bank business checking account.

Benefits include:

• Create and send professional invoices
• Accept credit card and ACH payments online
• Get paid directly into your business checking account
• Track payments and cash flow in one place
• Reduce the need for separate invoicing and payment applications

Ideal for: Small businesses, nonprofits, consultants, contractors, and freelancers who want a simple way to invoice customers and collect payments.

Protect Your Business from Fraud

Rosedale Bank offers tools designed to help businesses detect suspicious activity, strengthen payment controls, and reduce the risk of financial loss.

Check Positive Pay

Protect your business from check fraud by verifying checks before they are paid. With Check Positive Pay, you provide Rosedale Bank with a list of issued checks, and each presented check is automatically compared against it. Any discrepancies, such as altered amounts, duplicate checks, or unauthorized payees, are flagged for review before funds leave your account.

By helping identify fraudulent or suspicious items early, Check Positive Pay adds an additional layer of security and control to your disbursement process.

Benefits include:

• Strengthen internal controls over disbursements
• Reduce fraud losses and operational risk
• Improve visibility into outgoing payments

Ideal for: Businesses, nonprofits, municipalities, and organizations that issue paper checks and want stronger protection against check fraud

ACH Positive Pay

Protect your business from unauthorized electronic withdrawals. ACH Positive Pay allows you to control which companies are authorized to debit your account and helps identify suspicious or unexpected ACH transactions before funds leave the account.

By reviewing and managing ACH exceptions, businesses can strengthen payment controls, reduce fraud risk, and help prevent costly errors or unauthorized withdrawals.

Benefits include:

• Screen ACH debits before processing
• Authorize approved companies and vendors
• Identify unauthorized or suspicious transactions
• Help prevent ACH fraud and payment errors
• Strengthen internal controls over electronic payments

Ideal for: Businesses that regularly use ACH transactions and want greater control over electronic debits, including organizations with multiple vendors, recurring payments, or heightened fraud prevention requirements.

Send Payments & Pay Vendors

Move money securely, on schedule, and with control.

ACH Origination

Streamline payroll, vendor payments, and recurring transactions with ACH Origination. ACH payments allow businesses to send and receive electronic payments through the Automated Clearing House (ACH) network, helping reduce paper checks, save time, and improve cash flow management.

Whether you’re paying employees through direct deposit, scheduling vendor payments, or collecting recurring customer payments, ACH Origination provides a secure, efficient, and cost-effective alternative to paper checks and wire transfers.

Benefits include:

• Reduce paper checks and manual processing
• Automate payroll and vendor payments
• Collect recurring payments efficiently
• Improve cash flow management
• Lower payment costs compared to many alternatives, reducing the cost of issuing checks
• Schedule one-time or recurring payments

Desktop Wire Transfers

Initiate domestic wire transfers directly through Business Online Banking, giving authorized users the ability to send funds quickly without visiting a branch. Wire transfers are ideal for time-sensitive or high-value transactions when speed and certainty matter.

With multi-user access, approval workflows, and transaction tracking, businesses can maintain control over outgoing payments while managing wire activity securely and efficiently.

Benefits include:

• Send domestic wire transfers through online banking
• Move funds quickly for urgent or high-value payments
• Maintain control with user permissions and approval workflows
• Eliminate unnecessary trips to the branch
• Track wire activity and payment history in one place

Ideal for: Businesses that rely on time-sensitive payments, handle high-value transactions, or need guaranteed same-day movement of funds.

Online Bill Pay

Pay vendors, service providers, utilities, and other recurring expenses directly from your Rosedale Bank business checking account. Online Bill Pay makes it easy to schedule one-time or recurring payments, manage payees, and track payment history, all within Business Online Banking.

Whether you’re paying invoices, monthly bills, or routine operating expenses, Online Bill Pay helps simplify payment management and reduce manual administrative work.

Benefits include:

• Schedule one-time or recurring payments
• Manage payees in one secure location
• Track payment history and activity
• Reduce manual check writing
• Access bill payment tools through Business Online Banking

Ideal for: Businesses and organizations of all sizes that want a convenient way to pay vendors, utilities, service providers, landlords, and other recurring expenses directly from their business checking account while maintaining visibility into payment activity and cash flow.

Business Credit Cards

Give your business greater purchasing power, spending visibility, and flexibility with Rosedale Bank’s business credit card solutions. Choose from small business and commercial credit cards, including low-rate, rewards, cash back, travel-focused, purchasing card, and fleet card options designed to support your organization’s spending and operational needs.

Whether you’re managing everyday business expenses, employee purchasing, fuel costs, or high-volume procurement activity, our card solutions can help streamline purchases, improve expense tracking, and provide greater control over company spending.

Benefits include:

• Separate business and personal expenses
• Monitor spending with online account access and transaction tracking
• Earn rewards, cash back, or travel benefits on eligible purchases
• Simplify expense management and reporting
• Provide employee cards with customizable spending controls
• Improve visibility into purchasing and fuel-related expenses

Ideal for: Businesses of all sizes seeking a secure, flexible way to manage company spending, empower employees to make authorized purchases, simplify expense tracking, control procurement costs, or manage vehicle-related expenses through fleet card programs.

Optimize Cash Flow & Liquidity

Put idle cash to work and get more value from the balances you already keep on hand.

Everyday Account Analysis

Put your operating balances to work. Everyday Account Analysis allows qualifying businesses to earn an earnings credit on average collected balances that can be used to offset eligible monthly treasury management and account service fees.

Everyday Account Analysis can help reduce banking costs while supporting access to the treasury management services needed to operate efficiently.

Wondering if Everyday Account Analysis is right for your business?

Cash Vault Services

Securely manage cash deposits, withdrawals, change orders, and coin services. Designed for businesses that handle significant cash volumes and need a reliable way to move funds from the register to the bank.

Ideal for: Retailers, restaurants, convenience stores, municipalities, nonprofit events, and other cash-intensive businesses.

Advanced Cash Management Tools

Gain greater control over your cash flow with solutions designed to move funds efficiently, reduce manual processes, and put excess cash to work. Options include Zero Balance Accounts (ZBAs), reverse wire transfers or drawdown wires, overnight investment sweeps, and line of credit sweeps. Together, these tools can help centralize funds, automate daily transfers, optimize liquidity, and streamline account reconciliation.

Powerful Treasury Tools. Flexible Ways to Bank.

Treasury Management Is Only Part of the Picture

Treasury management works best when it’s built on the right banking foundation. Explore the business checking accounts and financing solutions that help support cash flow, growth, and day-to-day operations.

Frequently Asked Questions