Cashflow Protection
Overdraft Guard & Sweeps
Keep payments moving when timing is tight.
Reduce missed-payment surprises by pairing your operating account with an optional backup source. Sweep options can help you maintain target balances automatically.
Empire State Trust
Built for operational clarity
Tools designed to make cashflow predictable, reporting clean, and day-to-day activity easier to manage.
insights
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Automate transfers when account balances dip below target
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Use eligible backup sources to cover shortfalls (as approved)
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Reduce returned items and late payment disruptions
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Support for target-balance and zero-balance strategies
Line-of-credit sweeps
A sweep can automatically move funds between eligible accounts so checks and payments clear when needed. It’s a simple way to smooth timing gaps without manually transferring money.
Quick actions
Key capabilities
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Automate transfers when account balances dip below target
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Use eligible backup sources to cover shortfalls (as approved)
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Reduce returned items and late payment disruptions
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Support for target-balance and zero-balance strategies
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Visibility through online activity and alerts
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Set up with guidance tailored to your operating cycle
How sweeps work
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Sweeps can move funds between eligible accounts based on rules you select. When your balance reaches a threshold, transfers occur automatically to help keep activity running smoothly.
Target-balance & zero-balance options
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Target-balance settings help maintain a preferred operating balance, while zero-balance structures can consolidate funds across accounts. Availability depends on account setup and eligibility.
Need help choosing the right setup?
We’ll recommend a structure that fits your cash cycle and reporting needs.