Government Banking
Our experienced team offers high-touch service and guidance to help public entities achieve their financial goals.
We offer specialized services to meet the day-to-day and long term needs of taxpayer and public-funded organizations such as these:
- Municipalities
- School districts
- Counties
- Special purpose districts
- States & state agencies
What sets us apart
Our team of relationship managers a deep background in the unique banking needs of the public sector. We provide financial solutions that meet the highest fiduciary standards and deliver exceptional value. In addition, our branch network is not only convenient for our customers, it ensures we have a presence in—and knowledge of—the communities we serve and support.
Unique services
Liquidity—We help you develop the most efficient account structure for your requirements that is fully collateralized per your investment policy, including:
- Zero balance accounts
- Sweep accounts and
- Analyzed checking
We also offer an earnings credit rate to help offset fees and can provide lines of credit and term loans for government entities.
Investment management—We provide fully collateralized deposits per your government entities’ investment policy. We also provide fully collateralized long-term investment options with competitive rates to fit your long-term goals, including:
- Money markets
- Access to millions in FDIC insurance at participating network banks through ICS® and CDARS®¹
- Trust accounts
Treasury management—We provide the most effective services possible to help reduce in-house administrative tasks, saving you time and money. These include:
- The ability to effectively manage and streamline your payables and receivables with:
- ACH
- Remote deposit
- Wire transfers
- Lockbox
- Merchant services
- Card services
- A digital banking platform² with a single-sign-on user experience and robust reporting capabilities to help you manage your overall financials.
- Fraud solutions to help keep your accounts as secure as possible, including:
- Positive pay
- Payee positive pay
- Check blocks
- Stop payment
- ACH blocks and filters
We provide a depth of offerings across a range of areas including:
Treasury management
Manage and control cash flows through advanced technology and solutions tailored for public entities.
Fraud solutions
Help keep your accounts as secure as possible with services such as positive pay, payee positive pay, check blocks, stop payment and ACH blocks and filters.
Lending solutions
Increase financial flexibility with lending solutions including term loans, lines of credit and letters of credit that comply with your state statutes.
Employee benefits
Financial wellness solutions and education including health savings accounts³ and customized employee engagement through our Workplace Financial Services program.
Retirement plans
Consulting and direct fully bundled retirement plan solutions including 401(k), 403(b), 457 and profit-sharing.
Asset management
Our Institutional Asset Management group offers strategic investment and asset services that focus on organizations with more complex needs.
Learn more about how Government Banking can
benefit your public sector financial needs.
Matt Popelier
Business Segment Leader
248-310-1703
Matthew.Popelier@AssociatedBank.com
Deposit placement through CDARS® or ICS® is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS® or ICS® satisfies any restrictions on its deposits. A list identifying IntraFi® network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi® and ICS® are registered service marks, and the IntraFi® hexagon and IntraFi® logo are service marks, of IntraFi® Network LLC. (1470)
Associated Bank does not charge a fee to download our digital applications; however, transactional fees may apply. Carrier message and data rates may apply, check your carrier’s plan for details. Visit AssociatedBank.com/disclosures for Terms and Conditions for your service. (1406)
HSA cash balances are FDIC insured up to the Standard Maximum Deposit Insurance Amount (SMDIA). Deposit products are offered by Associated Bank, N.A. Member FDIC. (1437)
Investment, Securities and Insurance Products:
NOT
FDIC INSUREDNOT BANK
GUARANTEEDMAY
LOSE VALUENOT INSURED BY ANY
FEDERAL AGENCYNOT A
DEPOSITAssociated Bank and Associated Bank Private Wealth are marketing names AB-C uses for products and services offered by its affiliates. Securities and investment advisory services are offered by Associated Investment Services, Inc. (AIS), member FINRA/SIPC; insurance products are offered by licensed agents of AIS; deposit and loan products and services are offered through Associated Bank, N.A. (ABNA); investment management, fiduciary, administrative and planning services are offered through Associated Trust Company, N.A. (ATC); and Kellogg Asset Management, LLC® (KAM) provides investment management services to AB-C affiliates. AIS, ABNA, ATC, and KAM are all direct or indirect, wholly-owned subsidiaries of AB-C. AB-C and its affiliates do not provide tax, legal or accounting advice. Please consult with your advisors regarding your individual situation. (1024)
