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Cash Optimization Services

Cash Optimization

IBERIABANK provides a full suite of services to optimize your cash flow, improving your cash position and helping increase revenue.


Contact us online or speak to your IBERIABANK Relationship Banker to learn more about any of the following services.


InvestmentSweep

This completely automated process can increase revenue by sweeping otherwise idle funds into investments. You determine a floor and ceiling for your transaction account. Each day, balances above your ceiling are swept to a designated investment account. If your balance reaches your floor, funds are automatically swept back to cover transactions.

  • Fully automated process
  • Establish balance limits and controls
  • Capitalize and invest on otherwise idle funds
  • Funds swept overnight to designated investment accounts*

*Investment Products are NOT FDIC INSURED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NO BANK GUARANTEE | MAY LOSE VALUE |


LineSweep

Sweep excess balances from your deposit account to automatically pay down an open line of credit. Simply establish the ceiling balance, and funds in excess are applied toward your Line of Credit.

  • Fully automated, requires little interaction
  • Requires little interaction
  • Reduce interest charges on outstanding credit balances
  • Can also be used as overdraft protection

Zero Balance Account (ZBA) & Target Balance Account (TBA)

ZBA's are particularly useful for companies with multiple locations or operating units. "Secondary" accounts are linked to a master account. These secondary accounts are automated to maintain a zero balance at all times. Debits are automatically swept to master account.

  • Cost-effective way to concentrate deposits and disbursements
  • Keep separate payment accounts for accounting
  • Eliminate idle balances
  • Improve cash position

A TBA works like a ZBA, but instead of maintaining a zero balance on all secondary accounts, a designated target balance amount is maintenance.


IBERIABANK Treasury Connect

IBERIABANK Treasury Connect is cash management tool that provides commercial clients with a quick and convenient way to initiate transactions and monitor activity. While in the IBERIABANK Treasury Connect platform, you will be able to:


  • Download and view account information
  • Transfer funds between accounts
  • Pay down or draw on a Line of Credit
  • Make loan payments
  • Initiate ACH transactions
  • Initiate Foreign (USD) and Domestic Wire transactions
  • Initiate Stop Payments
  • Upload Positive Pay
  • View Check Images and Statements
  • Define and manage security for company and users
  • Set up Alerts