Liquidity Management

Liquidity Management

Business man in office setting

Take control of your capital

Efficiently manage your liquidity and improve your cash flow with NBT Bank’s Liquidity Management solutions. Our various sweep options can help reduce manual transfers and maximize the use of your excess funds.

To learn more about any of NBT Bank’s Liquidity Management Services contact your dedicated Treasury Management Sales Officer.

Sweep Line of Credit

Maximize funds availability with our automated Sweep Line of Credit. Each day, all available funds in your business account above a predetermined target balance will automatically sweep to pay down your Commercial Line of Credit, thus reducing interest expense. Conversely, funds are automatically drawn from the line of credit when the deposit balance falls below the predetermined threshold.

How can a Sweep Line of Credit with NBT help my business?

  • Efficiently manage liquidity
  • Reduce interest expense
  • Eliminate administrative burden of manual transfers

Target/Zero Balance Account Sweeps

Link various checking accounts together for overdraft protection or cash concentration. When the balance in a subsidiary account falls below the predetermined target balance, funds are automatically swept from the lead account to the sub account. These services eliminate the need to make additional transfers to fund payroll and other accounts. All funds stay consolidated in the operating account and transfer to the linked account as needed.

How can Target/Zero Balance Account Sweeps with NBT help my business?

  • Improves cash flow
  • Eliminates administrative burden of manual transfers
  • Easily manage and maintain separate accounts for record keeping purposes

IntraFi Network℠ Deposits

With IntraFi Network Deposits, you can enjoy the safety and simplicity that comes with access to multi-million-dollar FDIC (Federal Deposit Insurance Corporation) insurance through a single bank relationship. Put cash balances to work in demand deposit accounts, money market deposit accounts, or CD’s. NBT Bank is a member of a special network that allows us to place your deposits through IntraFi Network Deposits in amounts under the standard FDIC Insurance maximum of $250,000. As a result, you can access FDIC coverage from many institutions while working directly just with us.

How can IntraFi Network Deposits help my business?

  • Access to multi-million dollar FDIC insurance
  • Bank with one financial institution
  • Earn interest on balances