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Treasury Services

Liquidity Solutions for Operational Success

At Machias Savings Bank, our Treasury team works alongside you to build the right liquidity strategy. We provide tailored solutions and expert guidance to help you determine which accounts and structures best support your business—so your cash is always working where you need it most.

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Home Liquidity Solutions

Why Choose Liquidity Solutions from Machias?

Our liquidity solutions are built around relationships, not transactions. We take the time to understand your business and goals—providing responsive, local support and flexible solutions to help you achieve long-term success.

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Focused on You

We listen first, then tailor solutions that match your business’s unique goals and challenges.

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Built for Growth

From managing cash flow to reducing risk, our strategies are designed to support long-term success.

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Go Far Together

With us, you get more than services—you get a trusted advisor who acts as an extension of your team.

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Quick Response

We know time matters. Our team delivers fast answers and flexible solutions when you need them most.

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Local Decision-Making

Work directly with empowered experts who understand your community and your industry.

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Personalized Support

Our treasury team is by your side—from setup to strategy—helping your business thrive at every stage.

Explore Our Liquidity Solutions

We combine operational accounts and sweep services to simplify liquidity management—reach out today for a tailored solution.

Account Control

Operational Accounts

Managing day-to-day cash flow starts with the right account. Our operational accounts, including specialized options for municipalities, provide easy access to funds while helping you plan for future obligations. With account analysis, you gain transparency into services, fees, and earnings credits—supporting smarter cost control and long-term efficiency.

Options include:

  • Comprehensive checking solutions for businesses
  • Interest-bearing and blended account options
  • Specialized accounts for municipalities
  • Account analysis with detailed monthly reporting

Maximize Liquidity

Cash Utilization

Our sweep solutions put every dollar to work for your business. By automating transfers between operating, interest-bearing, and credit accounts, you can maximize earnings, minimize costs, and maintain liquidity—all while saving time and gaining control.

Options include:

  • Interest-bearing sweeps for idle balances
  • Line of credit sweeps to reduce borrowing costs
  • Zero Balance Accounts (ZBA) for centralized management
  • High-yield money market and IntraFi options for large deposits
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Tech Trend

Ranked #1 in Maine for Cash Flow and Liquidity Management

We’re honored to be ranked by Tech Trend as Maine’s top bank for cash flow and liquidity management. This recognition highlights our deep expertise and long standing commitment to helping Maine’s business community thrive with smart, reliable financial solutions.

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Meet Our Treasury Services Team

Local experts delivering tailored solutions for businesses and municipalities across Maine and New Hampshire.

Danielle Ahern

SVP, Director of Treasury Services

Meet Danielle Learn More about this team mate

Lucie Hannigan

SVP, Senior Treasury Services Officer

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Barbara Durr

SVP, Government Banking Officer

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Emily Ricard

VP, Treasury Services Officer

Meet Emily Learn More about this team mate Request a meeting

Sean Mulligan

AVP, Treasury Services Officer

Meet Sean Learn More about this team mate

Ryan Madore

AVP, Treasury Services Officer, Northern and Downeast Regions

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Autumn Clark

AVP, Treasury Services Portfolio Manager

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Thought Leadership

Practical guidance from MSB experts on building efficiency, managing risk, and achieving sustainable growth in your organization.

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Business Resource Center | Thought Leadership

Financial Best Practices for Government and School Business Leaders

Get expert insights from our SVP, Government Banking Officer Barbara Durr on how municipalities and school leaders can navigate funding opportunities, plan for complex initiatives, and build strong banking partnerships that support long term goals and operational success.

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Business Resource Center | Thought Leadership

Make Cashless Payments Work For Your Non-Profit

Hear from Lucie Hannigan, SVP, Senior Treasury Services Officer, as she shares how businesses can boost efficiency, strengthen internal controls, and improve cash flow with secure digital payment solutions. Discover best practices for managing risk and creating a more streamlined, resilient financial operation.

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Contact Us

Connect with our treasury services team to find the right liquidity solutions for your business.

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