The Revenue Stream Most Treasury Management Services Miss

Banking

September 18, 2025

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Treasury Management Services (TMS) have long promised to optimize liquidity, streamline cash flow, and maximize working capital. Banks compete on faster payments, better dashboards, and stronger fraud tools.

But there’s a hidden area where most providers leave value on the table: unclaimed property compliance.

For Accounts Payable (AP) teams, this isn’t just another back-office function. It’s one of the most painful, manual, and distracting processes they face. For Treasury Management Services providers, it’s a clear opportunity to differentiate your offering and generate new revenue.

The Pain Point in Accounts Payable

Ask any AP team about unclaimed property, and you’ll hear a collective groan. The pain and frustration is immediate. What should be straightforward compliance work ends up consuming hundreds of staff hours every year.

Every cycle, AP leaders wrestle with:

• Chasing down stale vendor and payroll checks with outdated contact details
• Manually tracking 50 different state dormancy rules and deadlines
• Stuffing and mailing due diligence letters to owners
• Reconciling balances line by line in sprawling spreadsheets
• Reporting and remitting funds through a patchwork of state portals and formats

The escheatment process is tedious, error-prone, and high-stakes. Instead of focusing on vendor relationships and efficient payments, AP teams are buried in compliance busywork.

Compliance doesn’t feel like value-add. It feels like a tax on their time.

Why This Matters for Your Clients and Your Services

Unclaimed property isn’t an edge case - it’s a recurring annual issue for every AP team in every industry.

When compliance is handled manually, the pain cuts both ways: AP leaders get buried in operational headaches, and Treasury Management Services providers miss a clear opportunity to create value.

For AP Leaders:

• Lost time and resources: Hundreds of hours wasted each year on low-value manual tracking, mailing, and reconciling instead of core AP work
• Financial exposure: States can audit back 10–15 years, creating multimillion-dollar liabilities if records aren’t airtight
• Reputation risk: Mishandled refunds or stale checks erode trust with vendors, employees, and customers

For Treasury Management Services Providers:

• Differentiation: Most TMS offerings compete on payments speed, dashboards, and fraud tools. Tackling unclaimed property sets you apart from competitors with a unique value proposition
• Revenue growth: Compliance automation creates a new fee-based, value-added service line to offer your clients
• Stronger client stickiness: Solving one of AP’s most dreaded manual processes embeds your services deeper into daily operations and makes them even harder to replace

How Eisen Fits In

That’s where Eisen comes in. We turn escheatment from a manual drain into a managed, automated service. Eisen makes it easy for treasury management teams to integrate unclaimed property compliance into their offering.

• Escheatment Manager: Tracks dormancy across all states, automates reporting, and reduces hours of manual work.
• Outreach Manager: Keeps clients audit-ready with owner notifications and delivery tracking.
• Disbursement Manager: Simplifies state remittances with clear reconciliation.

For AP teams, this means relief from one of their most dreaded manual processes. For TMS providers, it means a new line of revenue and a competitive differentiator.

The Bottom Line

The future of Treasury Management Services isn’t just about managing today’s liquidity - it’s about safeguarding tomorrow’s value.

Unclaimed property compliance has long been a manual burden for AP, but forward-thinking institutions are already turning it into both client relief and a growth opportunity.

With Eisen, banks and their Treasury Management Services teams are already delivering more than compliance, they’re giving clients confidence, efficiency, and protection, while creating a new engine of growth for their own business.

Written by Allen Osgood

September 18, 2025