#treasury-management
Treasury Management
Manage treasury operations and cash positions effectively
Treasury Sweep Accounts vs. Business Savings: Where Should Your Idle Cash Actually Sit?
Fintechs like Mercury and Rho now offer treasury and sweep accounts yielding 3.7%-5.4% on idle business cash, but treasury balances are typically SIPC-insured up to $500,000 while sweep-network balances stay FDIC-insured — a distinction worth understanding before moving six figures.
FDIC Coverage for Business Accounts: Lessons from the Small Business Bank Failure in Lenexa, Kansas
On July 18, 2026, regulators closed Small Business Bank of Lenexa, Kansas — the fourth U.S. bank failure of 2026 — with $73M in assets and $69M in deposits assumed by Farmers State Bank of Oakley. Here's how the $250,000-per-depositor, per-ownership-category FDIC limit really applies to business accounts, and how to extend coverage with multiple banks or insured cash sweeps.
Business Savings Accounts in 2026: What Idle Cash Actually Costs You
With the Fed holding rates at 3.5%–3.75% through mid-2026, a business keeping $100,000 in a 0% checking account forgoes roughly $3,500–$4,000 a year. This guide compares top business savings APYs (Axos ~3.60%, Bluevine up to ~3.75%, Live Oak, Lili, Grasshopper), explains Insured Cash Sweep coverage beyond the $250,000 FDIC limit, and shows how to split operating, reserve, and surplus cash.
Axos Financial Buys Arc Technologies: What the Deal Signals for Small Business Banking
Axos Financial is acquiring Arc Technologies, the AI-native cash management platform, in a deal closing July 2026. With large banks approving only 13–15% of small business loans and fintech lenders now originating 32% of them, the acquisition shows why clean, real-time books are becoming your credit application.
The Frightening Economics of Haunted Houses: Cash-Flow Lessons for Every Seasonal Business
US haunted attractions generate $300-$500 million a year, almost all of it in six weekends — while costs like the Bates Motel's $1.2 million annual budget accrue for eleven months. How operators bridge the gap with pre-arranged credit lines, cost triage, and off-season revenue, and what ski shops, tax preparers, and other seasonal businesses can borrow from the playbook.
Where to Park Idle Business Cash in 2026: High-Yield Savings, CDs, and Sweep Accounts
As of mid-2026, competitive business savings accounts pay roughly 3.5%–3.75% APY while the national average sits near 0.4% — a $150,000 idle balance in a 0.01% checking account forgoes about $5,000 a year. A timeline-based framework for placing tax reserves, operating buffers, and balances above the $250,000 FDIC limit into high-yield savings, CD ladders, ICS/CDARS sweep programs, and Treasury money market funds.
FedNow and Instant Payments Are Changing Small Business Treasury: What ISO 20022 Means for Your Books in 2026
FedNow and RTP now reach roughly 75% of U.S. bank accounts, settling payments in seconds, 24/7/365, with a $10 million network transaction limit. This guide explains how ISO 20022 structured remittance data changes invoice matching and reconciliation, why irrevocable instant payments demand wire-transfer-level fraud controls, and what small businesses should ask their bank and accounting software in 2026.
Streaming Payroll Bookkeeping: How to Book Superfluid and Sablier's Per-Second Wage Accruals
Superfluid and Sablier let DAOs pay contributors continuously by the second instead of on a pay date, which means wage expense must be accrued as it streams, not booked when a recipient withdraws — here's how to record it, including the fair-market-value and insolvency edge cases.
FDIC Insurance and Payroll Accounts: A Small Business Guide to the Main Street Depositor Protection Act
The Main Street Depositor Protection Act (S. 4198) would raise FDIC coverage for noninterest-bearing business payroll accounts to between $250,000 and $5 million, up from today's flat $250,000 limit, but the bill had not passed Congress as of March 2026.
Why 'FDIC-Insured' Didn't Protect Synapse's Customers: A Business Owner's Guide to Fintech Deposit Risk
Synapse Financial Technologies' April 2024 bankruptcy trapped over $265 million belonging to more than 100,000 fintech customers, despite their funds sitting at FDIC-insured banks, because the middleware ledger tracking who owned what inside pooled "FBO" accounts fell apart — exposing a gap between deposit insurance and banking-as-a-service infrastructure that remains largely unclosed as of mid-2026.
The White House's 2026 Fintech Executive Order: A Small Business Banking Guide
A May 19, 2026 executive order pushes banks and fintechs closer together, reviving the layered-partnership risks the 2024 Synapse collapse exposed — here's what small business owners should watch and do before the 90- and 180-day regulatory deadlines hit in August and November 2026.
Positive Pay: The Bank Service That Stops Check Fraud Before It Clears
Positive Pay is a business bank service that matches every check against your issued-check list and flags mismatches the same day, a control most eligible small business accounts still don't use even though checks remain the most-targeted form of payments fraud.