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Commercial Banking

Say YES to Treasury Services Backed by Personalized Support

Treasury Services are specialized, comprehensive solutions designed to help commercial clients streamline and secure their financial operations. At Machias Savings Bank, that comes with trusted guidance, local decision-making, and a team that puts your business first.

Drive operational efficiency with solutions to:

  • Maximize Cash Utilization
  • Streamline Payables & Receivables
  • Safeguard Your Business Against Fraud

Contact Our Treasury Services Team

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Our Commitment

Why Treasury Services from Machias?

At Machias Savings Bank, our Treasury Services are built on relationships—not transactions. Our experienced treasury team is known for fast decision-making, flexible solutions tailored to each client, and a deep commitment to proactive, responsive service. We take the time to understand your business and provide the support you need to grow with confidence.

 

It’s a partnership rooted in trust and designed for the long haul. Get in contact with us today to see how our treasury team can help you strengthen operations and achieve your goals.

Treasury Services Designed to Move Your Business Forward

Explore our Fraud Mitigation, Payables & Receivables, and Liquidity Solutions to see how we can help you manage funds, strengthen controls, and grow with confidence.

Fraud Mitigation

Safeguard your business from fraud with proactive solutions that protect your accounts, secure payments, and strengthen internal controls for long-term success.

Payables & Receivables

Manage payables and receivables with secure, flexible solutions that streamline payments, strengthen cash flow, and keep your business operations running smoothly.

Liquidity Solutions

Maximize your cash flow and make your money work harder with operational accounts and automated sweeps to optimize balances.

Our Featured Solutions at a Glance

Take a quick look at the Treasury tools designed to help your business simplify operations, strengthen cash flow, and protect what you’ve built.

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Secure Deposits & Liquidity Solutions

Keep your funds protected and organized with operational and sweep accounts tailored to your business. Enjoy expanded coverage and peace of mind with additional FDIC insurance available to maximize protection on larger balances.

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Corporate, Purchase & Fleet Credit Cards

Empower your team with flexible purchasing options that make expense management easier. Control spending, monitor usage, and simplify reconciliation – all while keeping business expenses organized and transparent.

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Fraud Mitigation

Protect your funds with ACH Filter & Block, Positive Pay, and custom alerts. Our Treasury team works with you to establish strong internal controls that help reduce risk and strengthen account security.

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Merchant Services

Streamline how you accept card payments, improve cash flow, and simplify payment processing. Enjoy faster depositing, transparent pricing, and dedicated support from real people when you need it.

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Remote Deposit Capture

Deposit checks right from your office. Streamline your cash flow, reduce trips to the branch, and gain faster access to funds with secure, reliable remote deposit solutions.

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Payments

Strengthen your business payments with secure solutions for ACH origination, domestic and international wires, and foreign currency transfers. Our lockbox service helps you process payments efficiently and keep cash flowing.

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Meet Our Treasury Team

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

Danielle Ahern

SVP, Director of Treasury Services

Lucie Hannigan

SVP, Senior Treasury Services Officer

Barbara Durr

SVP, Government Banking Officer

Emily Ricard

VP, Treasury Services Officer

Sean Mulligan

AVP, Treasury Services Officer

Ryan Madore

AVP, Treasury Services Officer, Northern and Downeast Regions

Autumn Clark

AVP, Treasury Services Portfolio Manager

What Inspires Us

Get to know the people behind Machias Savings Bank’s commitment to helping businesses and communities grow strong – one partnership at a time.

I’m passionate about helping public sector organizations make the most of their resources. I take pride in building lasting partnerships with municipalities, schools, utilities, and housing authorities – working side by side to create customized solutions that improve efficiency, maximize public funds, and support the communities we all care about.

Barbara Durr SVP, Goverment Banking Officer

Supporting women-led businesses is one of the most rewarding parts of my work. Every business has unique needs, and my role is to listen, provide guidance, and deliver flexible treasury solutions that help them thrive. At Machias Savings Bank, we build relationships that go beyond transactions—we’re committed to being a trusted partner in their success.

Lucie Hannigan SVP, Senior Treasury Services Officer

I take the time to really understand each business and its goals so I can recommend the right products and solutions. My role is to be an extension of your team—a trusted advisor who brings responsiveness, flexibility, and knowledge to every interaction. At Machias Savings Bank, we’re here to help you make confident decisions and move your business forward.

Sean Mulligan AVP, Treasury Services Officer

I’m excited to be joining Machias Savings Bank, where I will have the opportunity to share my passion for partnering with businesses to help them thrive. By improving efficiency, optimizing cash flow, and minimizing risk, I am committed to creating solutions that will drive sustainable success.

Emily Ricard VP, Treasury Services Officer

I’m passionate about helping businesses strengthen their financial operations and internal controls. My goal is to simplify cash flow management and enhance payment security for every client.

Autumn Clark AVP, Treasury Services Portfolio Manager

My goal is to help businesses operate with greater confidence by providing Treasury solutions that enhance efficiency, strengthen controls, and support their long-term success.

Ryan Madore AVP, Treasury Services Officer, Northern and Downeast Regions
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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.

Industry Expertise

Treasury Solutions Built for Construction, Government, and Summer Camps

Every industry operates differently — and so do its financial needs. From managing large-scale construction projects to safeguarding public funds and supporting seasonal camp operations, our experts provide tailored treasury solutions that enhance efficiency and simplify cash management.

Recognized as one of the Best Banks to Work For nationally by American Banker Magazine for 10 consecutive years and a Best Place to Work in Maine for 18 years by MESHRM, we proudly serve businesses and communities across Maine and New Hampshire with dedication, expertise, and care.

We’re Here to Help!

Contact us today and discover how we can help you achieve your financial goals with confidence and ease.

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Business Insights & Resources

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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Taking a Fresh Look at Your Business Fraud Solutions

Business Email Compromise continues to be the leading cause of payments fraud, impacting more than 70% of companies last year. You don’t need to be an MSB customer to talk with a Treasury Services expert – we’ll review your protections and share practical steps to help safeguard your business.

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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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