Cash Management

Few things are as important to business success as cash management. That’s why we offer advanced solutions that allow you to increase efficiency of financial operations with advanced financial tools.

Electronic Services

Whether making deposits or payments, processing transactions, transferring funds, or growing your money, BSSB Cash Management Services can minimize this burden so you can focus on your business.

  • Cash Management Online Banking
  • ACH
  • RDC
  • Wire
  • Sweep accounts
  • Mobile Banking
  • Business Bill Pay




Optimize your cash flow with easy-to-use payment receivables solutions.

  • Expedite funds availability by collecting payments quickly and securely
  • Improve cash management forecasting
  • Remote Deposit Capture
  • Mobile Check Deposit
  • ACH Collections
  • Merchant Services

Allows the convenience of capturing and transmitting deposits from the comfort of your office or mobile device.

Initiate collections electronically through the Automated Clearing House (ACH) system for same- or next-day settlement.

A suite of payment solutions that fit your business needs – whether it’s in-store, online, or mobile.



Manage your accounts payable with a variety of secure, online payment options.

  • Safe and secure means for moving funds
  • Improved cash management forecasting
  • Reduction of time and expense
  • Proactive management of your daily cash position

Initiate collections electronically through the Automated Clearing House (ACH) system for same- or next-day settlement.

Initiate wire transfers through your online banking with our cash management system.

Eliminate check writing and pay your bills online by making one-time or recurring payments.


Liquidity Management

Put idle funds to work for your business by concentrating funds, investing, or paying down debt automatically.

  • Automatic investment of excess cash maximizes working capital resources
  • Maximize interest income by sweeping funds overnight into an investment account

Excess funds will automatically sweep to your line of credit based on a target balance and reduce interest expense.

Excess funds above a predetermined balance are automatically swept to the investment account.

Consolidate balances into one main operating account while you maintain separate collection and disbursement accounts. Eliminates manual transfers.

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Business Credit Card

A Bay State Savings Bank Business Credit Card helps you improve cash flow, increase buying power, and better track your business and employee expenses.

  • Earn up to 3% cash back on eligible net business purchases
  • Receive a $100 Annual Software Credit

Learn more about credit cards.



We’re here for you.

At Bay State Savings Bank, we take the success of your Business personally, which is why we offer solutions and expertise to help you succeed. To discuss how we can tailor a program to meet your specific needs, please contact your Bay State Savings Bank representative, or speak to our Cash Management team today.



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