Capital One® Treasury Management services offer a full range of solutions designed to help you make the most of your working capital and take advantage of ever-changing payment and processing technologies.

We understand current business challenges to reduce processing costs, improve efficiency, maximize investments, and manage risk; and we are committed to supporting our clients wherever they are in the process of shifting from paper to electronic alternatives.

 

Capital One is here to help you streamline your collections cycle and gain faster access to working capital. Increase efficiency and cut business expenses by taking advantage of a wide range of receivables solutions designed to automate processing of all your income, including cash, check, and card payments:

  • Lockbox Services—let Capital One process your customer payments to improve cash flow

  • eLockbox—present bills and collect payments electronically to gain faster access to receivables

  • Remote Deposit—scan and deposit checks from your smartphone or desktop

  • Automated Clearing House (ACH) Services—collect payments electronically

  • Vault Services—consolidate deposits and manage coin and currency needs

  • Merchant Services—accept credit, debit, gift and loyalty card payments electronically

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Capital One offers a mix of traditional and electronic payables solutions to help you gain more control over cash flow, improve forecasting, and make well-informed business decisions.

  • Controlled Disbursement—reduce the need to estimate daily clearings

  • Automated Clearing House (ACH)—initiate electronic payments securely and reliably

  • Wire Transfer Payments—initiate payments online in U.S. dollars or more than 30 foreign currencies globally

  • Integrated Payables—your company provides a file of payment instructions to Capital One, and we then print and mail checks or create ACH or wire transfer payments according to your instructions—we can even create your Positive Pay check issue file.

  • Corporate Bill Pay Service—pay routine expenses online, securely and efficiently

  • CD-ROM Check Service stores paid check images on encrypted, password-protected CD-ROMs

  • Account Reconciliation—benefit from a variety of services to automatically balance your accounts and consolidate deposits from multiple locations into a single account

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Simplify expense management and procurement for your employees, protect against fraud, take control of company spending, and benefit from significant cash flow improvement.

  • Capital One MasterCard®—safe and secure and accepted globally

  • Commercial Card Connect—online access to transaction details and account information in real time to closely monitor spending

  • Bonus Reward Program—earn one point for every dollar spent company-wide

  • MasterCard Purchase Control—increase control over employee payments by replacing physical cards with limited-use Virtual Card Numbers

  • Web-based Reporting and Expense Management—gain centralized and secure access to comprehensive transaction data with Capital One's Smartdata.gen2TM

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Improve profitability and enhance forecasting with an integrated approach to liquidity management. Consolidate deposits and simplify the transfer of funds so you can gain more control over working capital across your entire organization. Leverage idle balances with automated investment strategies to improve day-to-day cash flow.

  • Automated Sweep Service—excess cash is automatically invested overnight to maximize earnings

  • Automated Overnight Loan Sweep Service—pay loans down automatically with excess cash, and draw against loan when funding needs arise

  • Treasury Key Account—consolidate deposits from multiple business locations into a single account, with unique identifiers per location, allowing for easy tracking of deposits and return items

  • Full Range of Returns Service Options—handle returned checks from multiple banks, including same-day and previous-day access, to an online view of returned check images

  • Zero Balance Accounts—eliminate the need to monitor daily cash positions in subsidiary accounts with a master account automatically funding those accounts as needed

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

If your company buys or sells materials outside of the United States, Capital One can help you manage your trading partner relationships, send secure payment instruments, and provide performance guarantees.

  • Online international wire transfers via Treasury Optimizer®

    • U.S. dollar and foreign currency

    • More than 30 currencies are available

  • EX-IM Bank Export L/C Guarantee

    • A government insurance program for your export Letters of Credit

  • Trade Services (Optional)

    • Import and export Letters of Credit

    • Documentary collections

    • Letter of Credit confirmations

    • Federal Home Loan Bank: Domestic Letter of Credit confirmations

    • Online Letter of Credit issuance

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Initiate requests for payment transactions electronically and securely right from your personal computer, internal company server or mainframe with our File Transfer Service. You can also receive financial data from Capital One to automatically integrate into your internal systems.

Use Treasury Optimizer®, our secure and reliable online channel, to initiate transactions and manage your business accounts 24/7.

  • U.S. domestic and foreign currency wire transfers (includes more than 30 currencies)

  • U.S. ACH transactions

  • Check issuance and exception management

  • Account balance and transaction detail: Intra-Day and Prior-Day

  • Images of checks paid, deposit tickets, deposit items, and corrections

  • ACH/EDI remittance detail

  • Custom reports for Intra-Day and Prior-Day reporting

  • Quicken®/QuickBooks® downloads available

  • PDF statement images

  • Supports multiple tax IDS

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Minimize your exposure to check fraud and unauthorized electronic debits with our industry-leading fraud prevention tools.

  • Positive Pay

    • Simply transmit your check issuance data to Capital One, and the serial number, dollar amount, and payee name can be compared against that information to ensure only those checks that exactly match are cashed.

    • Daily notification of any discrepancies between the check presented for payment and the checks included in your issuance data is provided so that you can advise the bank to "pay" or "return" the check as appropriate.

  • Electronic Debit Protection

    • You can opt to block all incoming Automated Clearing House (ACH) debits from posting to your account, or accept only those from your pre-defined list of trusted business partners.

    • All unauthorized ACH debits are automatically returned, eliminating the need for manual filing of the required paperwork.

  • Dual Control Authorization

    • Enhance the security of online payments, such as wire transfer and Automated Clearing House (ACH) transactions, by requiring one person to create the payment and another to approve it before transmitting to Capital One for processing.

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.
 

Capital One enables you to accept credit, debit, gift, and loyalty card payments in a variety of ways, including Internet, mobile, phone, and fax. Included with every card acceptance solution will be comprehensive online reporting, fraud monitoring, and 24/7 customer support.

Subject to limitations. Normal credit qualifications apply. Additional maintenance and processing fees apply. Standard Service Level Agreement for setting up data transmissions applies.