At Bank Midwest, we are dedicated to working with you to learn the ins and outs of your business, understand your goals and objectives and create customized treasury solutions to meet your unique needs.


Bank Midwest Advantage

Our process is simple. We start with a cost benefit analysis to examine alternative solutions and services based on your business’ needs. Then we formulate a plan to truly optimize your cash flow. We’ll provide hands-on support throughout the implementation of all products and services and your treasury solutions specialist is dedicated to providing your business ongoing support throughout the relationship.

Whether you need assistance collecting or disbursing funds, managing expenses effectively or helping to prevent fraud, we are committed to providing you with services to help you run your business more efficiently.

Bank Midwest is dedicated to providing superior client service along with access to your customized reports 24 hours a day, 7 days a week through our online and mobile banking platforms.



Remote and Mobile Check Deposit – Spend more time running your business than running to the bank. Without leaving your office, you can deposit checks into multiple accounts and reduce risk with faster check clearing.

Lockbox Servicing – Our lockbox servicing can help accelerate receivables and collections by reducing the delays related to float and mail processing, increasing cash flow opportunities through more efficient processes.

Merchant Card Processing – We can provide you with cutting-edge debit and credit card processing solutions to help you collect payments more effectively and efficiently, with our Merchant Services partnership with First Data. If you have an existing Merchant Account, we’ll review your current rates and fees to ensure you receive the most competitive, cost-effective solutions available.



Automatic Clearing House (ACH) – ACH is one of the fastest and most cost-effective methods for moving funds electronically. ACH may be used for direct deposit (payroll), direct debit and tax payments.

Wire Transfers – Initiate same-date and/or future dated Domestic and International wires quickly and conveniently from your computer, approve your wires remotely from your mobile device and receive email notifications and alerts for your wire activity. 


Fraud Prevention

Positive Pay/Account Reconciliation – Help prevent check altering and forgery and automate your account reconciliation process. That means you spend less time and money on reconciling accounts, and gain a streamlined approach to check storage and retrieval.

ACH Positive Pay – Safeguard against fraudulent activity by filtering or blocking unauthorized electronic transactions. Any item that meets the criteria you establish will automatically post or be rejected based on the filters or blocks that you set up.

For more information about how our team can help your business, please contact one of our Treasury Management specialists.


Valerie Kramer, CTP
Executive Vice President, Chief Digital Officer
Valerie Kramer, CTP Profile Image

Valerie Kramer is the Managing Director of Treasury Management and Client Services & Solutions;  responsible for our user experience, strategic development, client acquisition, implementation and support for Treasury Management Services & Products, as well as the retention of Deposit verticals for our Commercial, Business, and Specialty divisions.

Prior to joining NBH Bank,  Mrs. Kramer held various roles within regional and national banks throughout the Midwest  where she was responsible for the development, implementation, and support for treasury management sales.

As a Certified Treasury Professional (CTP) with over 19 years of treasury and banking experience, Valerie has worked with a broad range of middle-market companies bringing expertise in both payment and digital solutions.

Valerie earned her Bachelor’s degree in Finance and Marketing from the University of Nebraska. In addition to her CTP designation, she also holds her Series 7 license. Ms. Kramer is a 2021 Centurion with the Greater Kansas City Chamber of Commerce.