Business clients that are not satisfied with the existing deposit rates available for general deposit products may be eligible for business interest bearing deposit products available through Treasury Management (TM).

Bankers must determine if the client is a good fit for these products and engage a TM Sales Representative to complete the process. DO NOT send a referral until you review the requirements for additional rate options and speak with a TM Sales Representative.

To determine if a business client is eligible for additional deposit rate options, do the following:

1. Ensure the client is a Business Entity (NO Consumer Accounts Allowed).
2. Existing client must be either/or:

   1. Existing Treasury Management Client

      If the client's CIF or Account Detail screen in Xperience has TM Special Information Codes marked YES, they are currently a Treasury Management client.

       

      To learn how to check if your client is currently a TM client, see the Checking TM Client Status tab.

       

       
      1. Most businesses could benefit from at least 1 TM solution. Be sure to discuss existing clients without TM services with your TM Sales Banker.

   2. Client must be a minimum of a 4-star client according to the Client Pricing and Profitability (CPP) tool.

      To determine the client's CPP star rating, do the following:

       

       
3. If you determine that the business client may be eligible, e-mail or call your TM Representative to set a time to discuss the request.
4. Treasury Management will review the client's entire banking relationship and current profitability and initiates a call directly with the client.
5. Treasury Management will discuss various rate options and structures with the client to determine which solution may be the best option for their unique needs.
   1. If Treasury Management cannot meet the clients needs with one of our solutions, they will determine the suitability for a Money Market Interest Rate Exception.
      1. If the client qualifies for Money Market Exception, Treasury Management submits the necessary request for approval.
      2. If the client does not qualify for Money Market Exception, Treasury Management notifies the requesting banker and provide a breakdown of the alternatives that were provided to the client to exhaust all possible options.
   2. Click here to access the ProfitStars/CPP log in page.
   3. Enter the Client Name.
      1. If the client has multiple entity names, pick 1 entity that is representative of the overall relationship. Best Practice: pick the entity name that would be most recognizable to your approver.
   4. Enter CIF ID.
      1. If client maintains multiple CIFs for related entities, enter ALL related CIF IDs
   5. If the CIF has a Lender Assigned, enter the name here.
   6. Look Up Client CIF in CPP/ProfitStars.
      1. If client has multiple CIF IDs that have not been related in CPP, it is recommended you relate them at this time to give overall relationship revenue and profitability.
   7. The most recent monthly CPP Star Rating is displayed. 
      

For a client to be a TM client, at least one of the following products must say YES. You can see which products, if any, your client is enrolled in by checking the Special Information sections on their CIF (Customer Inquiry) screen or their Account Details (Account Inquiry) screen in Xperience, see the images below.

On the CIF screen check for a YES next to one of the following 3 items:

• Stone Castle
• TM Booklet
• Remote Deposit Capture (RDC) Client

On the Account Details screen check for a YES next to one of the following 3 items:

• Centrix Positive Pay
• ACH Fraud Control
• Remote Deposit Capture (RDC) Client