Business Banking

The True Cost of Running Your Business Account at High Efficiency

2/9/2026 12:59:24 PM

Business owner at desk analyzing documents

Regardless of the industry you’re in, owning a business comes with significant responsibility. The success of any business is often driven by how effectively and efficiently its day-to-day operations are managed. From cash flow to fraud prevention, small operational decisions can have a big financial impact, which is why having a business banking account is so important.

Banks play a critical role in helping businesses manage payables and receivables more efficiently. That’s where speaking with an expert about the right Treasury Management services for your business can be a winning move.

Show Me the Money

Getting Paid Faster and Staying in Control

How does your business get paid? It may sound like a simple question, but it’s one that doesn’t always get the attention it deserves. Sometimes, just getting paid isn’t enough. Getting paid quickly and staying in control of the process is what really matters.

Businesses that use ACH Debit functionality through ACH Origination Services are often on the fast track to collecting receivables, especially from recurring clients. This is arguably one of the most underrated services banks offer today. For just a few dollars, business owners can electronically debit clients for money owed.

Why wait for a check to arrive in the mail? Why hand out your banking information unnecessarily? Take control of your cash flow with ACH Origination Services.

Safeguarding Your Business Accounts

Once you’ve taken control of your cash flow and balances are growing, the next question becomes: how do you keep your money safe? We love seeing you at one of our local branches, but not because someone drained your account.

Fraud can be time-consuming, frustrating, and costly. That’s where banks like Kearny Bank can make a real difference.

Kearny Bank offers Positive Pay, a no-cost service that gives you control over what gets paid out of your account. Whether you provide a list of issued checks and ACH debits or review transactions daily, you have the final say. Spending just a few minutes a day reviewing activity can save hours of account changes, payment updates, and fraud recovery down the road.

Paying Vendors Across the Globe

Who wants to take unnecessary risks when doing business internationally? Your money doesn’t either.

For a small monthly fee, business clients can take advantage of international wires powered by PayRecs. Every step of the international wire process is right at your fingertips. You can save payee instructions with templates, choose your currency, access preferred rates, and even track wires in real time.

The result is greater visibility, fewer surprises, and peace of mind when sending payments around the world.

Efficiency That Works for Your Business

Running a business is demanding, and there’s no shortage of things that can keep you up at night. Gaining efficient execution and effective control over your deposits can help take your business to the next level without breaking the bank.

Talk with your banker about which Treasury Management services can help improve efficiency, strengthen security, and support your business’s growth today.

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Authors

Mike Mangione

1st VP / Retail Sales & Development Leader

Mike Mangione is 1st Vice President/ Retail Sales & Development Leader at Kearny Bank, where he has been since 2021. In this role, Mike works with our branch locations to cultivate a more thorough understanding of each client’s needs and preferences and seek opportunities to further strengthen client relationships. Prior to joining Kearny Bank, he held roles at Citibank, Well Fargo, and Chase Bank. Mike earned a bachelor’s degree in communication from William Paterson University.

Contact Mike to learn more!