Treasury Management with Luminate Bank
Powerful. Flexible. Built for Your Business.
Control, protect, and optimize your business finances.
Managing cash flow, mitigating risk, and streamlining your operations shouldn’t feel complicated. With Luminate Bank’s treasury management solutions, you get a full suite of flexible, secure tools so you can focus on what you do best: growing your business.
We also proudly offer access to the IntraFi® network of partner banks, giving you peace of mind when managing large deposits while staying fully insured.
Core Treasury Services
No two businesses manage money the same way. That's why we offer flexible treasury solutions that can be tailored to your organization's needs.
Payments & Money Movement
Move funds quickly, securely, and with greater control. These tools help streamline everyday transactions while improving efficiency across your organization.
- ACH & Online Wires – Efficient, secure electronic payments with improved control and speed.
- Internal Transfers – Seamless movement of funds between accounts.
Deposits & Collections
Simplify the way you deposit and collect funds while gaining faster access to your money.
- Remote Deposit Capture & Mobile Deposit – Faster access to funds without visiting a branch.
Fraud Prevention & Risk Management
Protect your business with tools designed to help detect fraud, reduce risk, and give you greater control over account activity.
- Check & ACH Positive Pay – Advanced fraud detection and transaction control.
- ACH Block – Prevents unauthorized electronic withdrawals.
Liquidity & Cash Optimization
Put excess cash to work while maintaining access to the funds you need to operate confidently.
- Insured Cash Sweep (ICS) – Maximizes FDIC insurance while maintaining liquidity.
Reporting & Visibility
Gain a clearer picture of your cash position with timely reporting and account insights.
- Information Reporting – Real-time insights into account activity for better decision-making.
Specialized Solutions
Address unique operational needs with flexible solutions designed for more complex financial relationships.
- Sub-Escrow Platform – Purpose-built solution for managing complex escrow relationships.
A Treasury Platform Designed for Modern Business
Manage your financial operations from a single secure platform.
Customizable Dashboard
Access the information most important to your business with personalized views, approvals, reports, and alerts.
Advanced Reporting & Cash Flow Insights
Monitor balances, analyze transaction activity, and gain visibility into cash flow trends to make more informed decisions.
Streamlined Payment Processing
Originate, approve, and manage payments efficiently, including ACH, wire transfers, payroll, tax payments, and more.
Mobile Treasury Access
Stay connected wherever business takes you. Review transactions, monitor activity, approve payments, and manage fraud controls from your mobile device.
Treasury Management Features & Benefits
Optimize cash flow with sweep accounts and liquidity tools
Automate payables and receivables for greater efficiency
Protect your business with advanced fraud prevention
Gain real-time visibility into account balances and cash flow trends
Access the IntraFi® network of banks for FDIC insurance beyond standard limits
Manage everything through a secure, mobile-friendly platform
Fraud Prevention & Risk Management
Protect your business from fraud and reduce risk exposure with advanced security features. Our prevention tools include:
- Encryption and data protection
- Customizable transaction alerts
- State-of-the-art tokenization technology
- Dual approval for wire and ACH transactions
- Positive Pay & Payee Positive Pay services
Payables Management
Simplify payments and eliminate time-consuming manual processes. Automate payments to vendors, suppliers, and employees with secure, efficient solutions:
- Automated Clearing House (ACH) payments
- Wire transfers
- Online bill payment services
- Employee payroll and tax payments
Receivables Management
Improve your cash flow by collecting payments faster and more securely. Our receivables solutions give you real-time visibility and help reduce trips to the bank:
- Maintain real-time insight into receivables
- Convert checks to cash faster
- Automate deposits for greater efficiency
Deposits & Liquidity Management
Keep your capital working for you while maintaining the liquidity your business needs.
Sweep accounts, investment options, and short-term funding solutions help you optimize cash flow and maximize returns on idle funds, all while keeping capital readily available when you need it.
Who We Serve
Our Treasury Management solutions are designed for organizations with complex cash flow needs, multiple transactions, and growing operational demands. Industries we commonly serve include:
- Title & Escrow Companies
- Real Estate Brokerages & Agents
- Property Management Firms
- Non-Profit Organizations
- Cities, Municipalities & Public Funds
- Commercial & Industrial Businesses
- Professional Service Firms
- Attorneys
- Medical Practices
- Financial Advisors
- Accounting Firms
Operational Details
Cut-off Time Information
- ACH: 5:00 PM CST
- ACH Exception: 10:00 AM CST
- Check Exceptions: 10:00 AM CST
- Same Day ACH: 3:00 PM CST
- Transfer: 6:00 PM CST
- Wire: 4:00 PM CST
Ready to make the most of your treasury management options?
Let's build a treasury strategy that helps your business operate more efficiently, securely, and confidently.
This relationship with Luminate Bank is now our third-rail!
This gives us tremendous flexibility as well as a kind of resilience that many of our contemporaries just don't have. As we saw the demise of Mainvest (a regulation crowdfunding portal) recently, there is an existential threat to having a single source provider in your supply chain! This relationship with Luminate is now our third-rail.
David, CEO, Silicone Prairie Holdings, Inc.
I can say without any reservations that Luminate Bank is the at the very cutting edge of technology and banking solutions.
As someone with a deep understanding of banking solutions and the title insurance industry, I can say without any reservations that Luminate Bank is the at the very cutting edge of technology and banking solutions.
I was immediately impressed with their grasp of the industry and its needs, as well as the solution-based mindset. Instead of forcing customers to find work arounds for their needs within Luminate Bank’s existing platform, they create custom solutions for your needs with flexibility and understanding that is unmatched in our industry. But more impressive than the technology and understanding of this industry’s needs in a banking environment are the people at Luminate Bank.
So often, banks are focused on the acquisition of deposits and either ignore or mislead the customer about the capabilities of their platform. Luminate Bank ensures that by the time you are ready to open accounts with them, not only are you 100% positive that making this monumental switch for your company will be in your best interest, but you’re actually excited for how much time you’ll save working on their platform.
Features as simple as internal transfers from one account to many accounts and features as complicated as a 1031 exchange subaccount platform are all designed specifically for you, the business owner, to navigate and transact business as simply and efficiently as possible.
Luminate Bank has managed to find the sweet spot between providing big-bank solutions and technology with the true relationship community bank feel that is so desperately lacking in the banking environment. You have access to any level within the organization to discuss issues, but more importantly, Luminate Bank is proactive in contacting you to make sure your experience with their solutions is perfect. Working with Luminate Bank to transfer over all our accounts has reminded me how much better a professional relationship works when there is communication, respect, and transparency – I don’t feel like I’m “just another account” to Luminate Bank, and you won’t either.
Liz | COO | Title Company
