Practical Learning • Banking • K02
Business Banking & Cash Management
Design an organized business banking structure and prepare for more productive conversations with financial institutions.
Course overview
Six lessons. One practical outcome.
Create a banking-needs profile and account-management plan.
Go deeper with the complete 12-chapter book.
The companion volume operates outside the lesson, expanding the subject through systems thinking, cases, field assignments, and seminar questions.
Why financial separation matters
Business banking separation improves bookkeeping, cash visibility, professional credibility, and control. It requires processes, not merely a new account.
Structure checking, savings, and reserves
Operating, tax, payroll, and reserve needs can be organized in separate accounts or clearly tracked categories, depending on complexity and fees.
Control signers and account access
Authority should match job responsibility. Dual controls, user roles, limits, and prompt offboarding reduce internal and external risk.
Manage receivables, payables, and timing
Cash management connects collection methods, payment schedules, approvals, and forecasting so obligations are visible before they arrive.
Evaluate treasury and deposit tools
ACH origination, remote deposit, wires, positive pay, lockboxes, and merchant services solve different operational needs and carry distinct controls.
Prepare for a banker conversation
A clear business overview, organized documents, transaction expectations, and prepared questions make comparison more productive.
Companion resources
▤ Banking comparison▤ Cash-control map▤ Banker meeting guide