Treasury Fees + Merchant Services
Pay less for the same banking services.

Build your own bottom line, not your bank’s.

With more than 3,100 potential fees that a bank can charge for your business account services, it’s no surprise that most organizations lack the time, financial resources, and comparative real-time data to understand and manage complicated banking structures and ensure they are not overpaying. SIB steps in to fill those gaps and bolster your negotiating power for banking fees, merchant services, and more.

Working as an extension of your team, we review and benchmark services, costs, and banking relationships to identify and proactively pursue all opportunities to streamline services, save money, reduce financial risk, and strengthen banking relationships. We do the legwork to put any changes into place and validate new pricing structures, discounts, and ongoing accuracy. You stay up-to-date with treasury services best practices without overburdening your accounting and financial management team.

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Treasury Fees + Merchant Services

Treasury Fee Optimization Services

Banks depend on fees to grow profits.
SIB reduces your fee outlay for treasury services.

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Increase financial agility with 25-35% average reduction in treasury service fees.

Achieve best-in-class pricing

Reduce transaction costs and errors associated with treasury fees and merchant services while improving the efficiency of your treasury operations.

Preserve banking relationships

Streamline and lower bank fees without cutting services or threatening your banking relationships

Mitigate risk and expand options

Understand risk exposure and achieve greater flexibility and negotiating leverage by exploring a multibank approach, assessing banking proforma and bids for alternative partners and solutions, and diversifying banking relationships

Safeguard your financial future

Protect assets, cut costs, enhance yields, optimize earnings credit rates, and explore investment opportunities to build financial health and improve corporate liquidity

Treasury Fees + Merchant Services
Spend Smarter on Treasury Services

Assess your current accounts, services, volumes, and spend to identify gaps and opportunities to streamline and reduce fees without impacting service levels. SIB supports corporate treasury optimization by reviewing at all bank transaction and merchant service fee invoices and data to find savings and correct billing errors. SIB’s financial fees spending review includes account maintenance, depository services, information reporting, lockbox services, ACH, wire transfers, credit card processing fees, NSF, and more.

Benchmark transactions, volumes, and spend profile against market rates and comprehensive real-time comparative data to secure best-in-class pricing for the services and volumes your business needs. Our database of 500,000+ pricing benchmarks in 200,000+ accounts across multiple spend categories provides the insight needed to more successfully negotiate lower costs.

Successfully negotiate contracts, fee structures, fee lock agreements, and back value with current or potential new banks and service providers. We work with your chief financial officer and treasury team. We meet with bankers on your behalf, bringing the industry expertise and data to the table, along with a commitment to understanding your treasury management system, financial needs and how you use your bank. We negotiate more advantageous terms and fee structures without downgrading services or jeopardizing your existing banking relationships.

Realize immediate and ongoing value optimized treasury fees. We confirm new pricing structure and discounts, validate the accuracy of future fees, and continuously seek new opportunities to increase your financial advantages, achieve improved efficiency and secure additional savings opportunities.

Resources and Case Studies

Treasury Fees + Merchant Services

Bank Smarter: Protect Assets, Reduce Banking Fees, And Enhance Yield

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Treasury Fees + Merchant Services

SIB Helps MBN Brands Reduces Waste, Telecom, and Bank Fees; Enables Operator to Focus on Growth While Driving EBITDA

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Treasury Fees + Merchant Services

Treasury Review: 6 Tips for Reducing Business Bank Fees

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Meet Our Treasury Service Experts

Let us provide you with a trusted, experienced bank and treasury consultant with the skills, industry knowledge, and data to improve your banking relationship while saving you money.

Treasury Fees + Merchant Services

Finley Horner

Vice President, Treasury Management
Treasury Fees + Merchant Services

Drew McLean

Senior Vice President, Client Success
Treasury Fees + Merchant Services

Sean Fox

Executive Vice President

Spend Areas

Insurance
Payroll Processing
Property Taxes
Shipping and Fulfillment
Telecom
Utilities
Waste + Recycling
Other Operating Expenses
Treasury Fees + Merchant Services

Insurance

Reduce insurance costs by an average of 11%

Protect your business and your bottom line with rightsized health insurance and benefits coverage and lower premium costs. We help you understand risk and navigate the complex insurance environment to get high-value services while lowering your overall insurance spend.

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Treasury Fees + Merchant Services

Payroll Processing

Cut payroll processing fees by an average of 24%

Smart businesses invest in people—not in redundant or unnecessary payroll processing services and fees. Optimize your payroll processing solution to simplify, save, and better meet your company’s human capital management needs.

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Treasury Fees + Merchant Services

Property Taxes

Reduce property taxes by an average of 8%

Saving money on property taxes starts with knowing the true market value of your commercial real estate assets. We empower you with the data and expertise to know your portfolio’s real worth and ensure fair and accurate taxes for the long term.

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Treasury Fees + Merchant Services

Shipping and Fulfillment

Save an average of 18% on small parcel and 3PL

Be empowered to strategically, confidently, and successfully secure the shipping terms you deserve. Through audits, contract optimization, and greater visibility, our team of experts with backgrounds in sales and pricing at major carriers will help you access better rates and transit times, so you can serve your customers better and save money doing it.

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Treasury Fees + Merchant Services

Telecom

Secure 28% average savings on telecom solutions

Saving money on telecom goes beyond removing costly billing errors to ensure rightsized networks and efficient network design. A comprehensive approach to optimization and modernization helps you save today while preparing for the technology and security demands of tomorrow.

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Treasury Fees + Merchant Services

Utilities

Save an average of 11% on energy and utilities

Get the power to optimize your energy spend with better rates, more reliable service, and reduced billing errors. Beyond procurement, audits, and bill pay, we introduce new efficiencies and support sustainability to create best-in-class energy programs.

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Treasury Fees + Merchant Services

Waste + Recycling

Capture 30% average savings on waste and recycling

Take control of your waste and recycling programs from end to end with better program design, pricing, management, and reporting. By optimizing services, rates, and contract terms, you can take the waste out of waste management.

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Treasury Fees + Merchant Services

Other Operating Expenses

Spend smarter on everyday spend areas

From linen and laundry, to uniforms, document storage, food costs, maintenance, medical supplies, and more, we can help you tackle all your spend areas to reduce costs and ensure the greatest value for your business.

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See How We Can Help You Spend Smarter 

Get started easily and quickly with a no-risk, comprehensive evaluation of your vendor transaction history and put our market intelligence and industry expertise to work.

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Treasury Fees + Merchant Services