Cash Flow Management

Cash flow management solutions for your business

Managing a business means your eye is always on the next move, the next opportunity, the next market shift. We can help you strategically manage your everyday cash flow through deposit and treasury solutions, so you can stay focused on the future.

Cash Flow Management

Cash flow management solutions for your business

Managing a business means your eye is always on the next move, the next opportunity, the next market shift. We can help you strategically manage your everyday cash flow through deposit and treasury solutions, so you can stay focused on the future.

Strategic insight

We review your unique business needs and help you optimize your cash flow while strategically planning for the short- and long-term.

Comprehensive solutions

We are a full-service bank with comprehensive products and services that allow you to effectively and efficiently manage your liquidity.

Responsive service

At UMB, your business is not just a number. We get to know you, your goals and your values so we can be a partner throughout your business lifecycle.

Your capital management partner

Set your cash flow strategy with UMB’s business and commercial banking team.

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Business checking accounts

We know your business needs are unique, which is why we offer a variety of commercial checking account options that range from everyday operating accounts to interest-bearing and investment opportunities for your cash balances.

Savings solutions for businesses

If your business has additional funds and would like to earn interest while maintaining access to those funds, consider our business savings account options.

Treasury services

No matter the size of your operations, we roll up our sleeves to help you with the everyday details of your business, so you can plan, move and protect your cash flow on your terms. We deliver a suite of treasury solutions from receivables and payables management, to fraud mitigation tools and payroll services.

Commercial credit card

We have business credit card programs that can help you manage purchases, improve cash flow and streamline reporting. With enhanced administrative controls, online dashboards and transparent account agreements, you will have the tools you need to control and monitor spending.

Merchant payment services

Your customers can be anywhere, and they expect you to accept their payments easily and securely. UMB’s merchant services can provide you with efficient and simple payment solutions for all of your business needs. With our support, you can access technology, terminals and services that allow you to attract customers, keep customers, process payments and streamline your business operations.

  • One-on-one business consultations
  • Comprehensive online account management
  • Deposit management solutions
  • Capital management strategies
  • Transparent fees and charges
  • Responsive customer service

Manage your business finances online

We have the tools and systems you need to effectively and efficiently manage your business finances—from anywhere, any time.

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The changing landscape of business banking

We’re seeing a shift in business banking, with companies increasingly needing more help managing large-scale service needs, tight labor markets, and market consolidations. With changes and challenges like these, it’s critical your banker know and understand your company and its needs, so it can be a true strategic partner.

Optimize short term business liquidity

As technology becomes more prevalent, an increasing variety of attacks are appearing. Whether it’s a phone call from someone posing as a grandchild asking for money or an email scam from someone in another country offering investment opportunities, fraudulent financial scams are causing elderly Americans to lose money every year.

Manage payroll and employee benefits

UMB can help you serve your employees, whether you’re looking for payroll management services or an integrated HR solution.

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Fraud prevention and management

UMB provides sophisticated products to help protect your accounts from fraudulent activity through transaction review and validation, filtering, blocking, exceptions and approval protocols.

Explore our options