An effective treasury management strategy helps you maximize the value of your funds while retaining liquidity and control of your cash. With solutions that automate the concentration, movement and investment of your funds, you can make the most of your surplus cash balances. BMO Capital Markets puts the right investment and deposit solutions to work, so you can focus on achieving your business goals.

Deposit Management Solutions
Cash Concentration
Zero Balance Accounts
Foreign Currency Accounts
Remote Deposit
Cash Letter Services

Short-Term Investment Solutions
Corporate Sweep Accounts
Eurodollar Sweeps
Money Market Deposit Accounts
Direct Investment

• Cash Concentration
  You can quickly and easily centralize funds from multiple accounts or depository banks to one corporate account with the cash concentration module of DirectLine®, our online treasury management gateway. The cash concentration module provides you with comprehensive reporting capabilities, and the ability to allow multiple individuals to add, change or delete local bank depository information and locations with the click of a mouse.
• Zero Balance Accounts
  Zero balance accounts (ZBA) allow you to transfer funds automatically to or from your master account at the end of each business day to offset the net activity in each of your sub-accounts. ZBAs can be structured to accommodate your needs, from a single account used for collection or disbursement, to corporate structures that allow several ZBA tiers.
• Foreign Currency Accounts
  Our foreign currency accounts allow you to hold physical balances in 19 different currencies. If you make or receive foreign currency payments, you can better control your foreign exchange exposure by converting when rates are favorable and managing your working capital through one bank relationship.
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• Remote Deposit
  With our remote deposit solution, your checks can be deposited from any location, giving you access to your funds quickly, while minimizing manual processing errors. With the use of desktop scanners and intuitive software, paper checks are imaged and funds deposited to your corporate account in one easy process.
• Cash Letter Services
  With our state-of-the-art, high-speed automated reader-sorter equipment, we capture information about each item in your cash letter quickly and accurately. Your deposits are then correctly posted to your account and available for convenient reviewing via DirectLine. Consider our cash letter services if you need expedited availability of your funds, yet want to retain the benefits associated with in-house processing, or if you deposit large volumes of consumer payments or checks of significant dollar value.

• Corporate Sweep Accounts
  Our sweep investment accounts automatically move your excess funds to selected investment instruments after your last transaction of the day, providing you with competitive rates and liquidity to meet your operating demands. For access to industry-leading investments, you can also choose from several money market funds for your sweep investments. We also offer sweep-to-loan accounts, which are revolving lines of credit that automatically maintain a targeted level in your operations account, with excess funds transferred to pay down outstanding loan balances.
• Eurodollar Sweeps
  Our Eurodollar sweep investment service automatically moves funds in excess of USD$100,000 to overnight Eurodollar time deposits. On the next business day, we credit the principal along with the applicable interest back to your checking account. Eurodollar sweeps are ideal for companies that want to maintain liquidity while earning competitive market rates on funds that would otherwise sit idle or need an offshore funds placement.
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• Money Market Deposit Accounts
  If you are looking for a low-fee, short-term/high-yield investment solution for your idle cash balances, consider our money market deposit accounts (MMDA). MMDAs are high-yield transaction accounts, with a limited number of debit transactions per month, that pay interest monthly on balances of as little as USD $5,000. MMDAs are eligible for FDIC insurance up to a maximum of $250,000 (aggregated deposit balance).
• Direct Investment
  Our Treasury Investment Desk provides a number of additional investment solutions to meet your unique business needs, such as certificates of deposit, t-bills, and term deposits, as well as longer term investment solutions.