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Municipalities & Public Funding

We're A Leading Financial Provider For Municipalities – See Why

We’ve made it our mission to focus on the needs of municipalities and other public-funded organizations and to provide you with the best rate-of-return options on tax-funded revenue. We have the expertise for government-funded needs and we offer deposit products that may competitors can simply not offer.

Invest in community partners within your area – bank local with Banterra and allow us to provide portfolio management strategies for your budget goals as well as banking tools to assist your cash management needs.

Deposit Solutions

Business Checking

Various options including Pledged Checking that is dedicated to public fund entities and offers easy minimum balance in order to avoid fees.

FDIC Insured Deposit Solutions (for deposits more than $250,000)

  • Insured Cash Sweep (ICS®)
  • Access multi-million-dollar FDIC insurance on funds placed into demand deposit accounts or money market accounts by utilizing other network members, but only working with Banterra.

Certificate of Deposit Account Registry (CDARS®)

Same concept as ICS, but with a CD account; you can access multi-million-dollar FDIC insurance on CD accounts by utilizing other network members, but only working with Banterra.

Treasury Management

Online Banking & Account Management

Streamline account management of working funds with Cash Management, Banterra’s online banking platform for our Public Funds customers.

Payment Solutions

Efficiently process direct deposit payroll, accounts payables and wires using Banterra’s Cash Management service.

Receivables Solutions

Improve your cash flow with Banterra’s receivables services including ACH and Remote Deposit.

Merchant Services

Accepting card payments serves the needs of your customers and expedites transactions.

Lending Solutions

Short-Term Loans

These loans can help you maintain your operations so you have enough working capital when you need it.

Refinancing Or Consolidation Loans

Combine multiple loans into one loan to take advantage of better interest rates.

Banterra Visa® Community Credit Card

The Visa CommUNITY Card is designated for non-profits and municipalities seeking an easier way to manage cash flow and expenses.  Enhanced reporting helps document expenses, track purchases, reveal spending patterns, organize budgeting information and save time on accounting procedures.

To learn more about this card or to apply, stop by your local Banterra to speak to a representative.

Contact Us

Speak To A Municipality Team Member

  • Meghan Densch

    Meghan Densch

    Treasury Management & Digital Operations Manager

    DivisionTreasury Management

    MarketEldorado, IL

    Phone618-273-7309 x38405

  • Lindsay McGuire

    Lindsay McGuire

    Treasury Management Sales

    DivisionTreasury Management

    MarketEldorado, IL

    Phone618-273-7309 x38404

  • Tina Spears

    Tina Spears

    Treasury Management Sales

    DivisionTreasury Management

    MarketEvansville, IN - Cross Point Blvd.

    Phone812-475-2866 x40005