Information reporting
Balances and activity across operating, reserve and payroll accounts in one view.
See the cash before it moves
Information reporting, payment controls and liquidity tools for finance teams that need the whole position, not a balance at the end of the day.
Treasury management
A clear service, delivered by bankers
Treasury at River Gem is implemented with a banker, not a ticket queue. We map the accounts, approval rules and reporting the business needs, then test them before the first live payment.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Request a treasury reviewThe service
What is available
ACH origination
Payroll, vendor and collection files with dual approval and a published cut-off.
Wires
Domestic and international payments, with callback verification above set limits.
Positive Pay
Match issued checks and ACH debits against an approved file before they post.
Remote deposit
Scan batches of checks from the office and see the credit after review.
Liquidity
Sweep excess operating cash into a reserve or money market account.
Controls that match the team
A single owner can approve payments alone. A larger finance team can require two approvers, separate initiation from release and set amount thresholds by user.
- Role based access
- Dual approval
- Callback verification
- Full audit trail
Implementation
Most treasury relationships go live in two to three weeks. The banker runs a parallel test file, confirms the approvers and documents the cut-off times before the first production payment.
Related services
Where this connects
River Gem Connect
The workspace where a finance team initiates, approves and reconciles payments.
ExploreBusiness accounts
Operating, reserve and money market accounts beneath the treasury relationship.
ExploreSpecialty banking
Fiduciary, HOA, escrow and association accounts with board-level controls.
Explore
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.