5 Banks That Provide Cash Flow Management for Summer Camps

NEW JERSEY, June 11, 2025 — Owning a summer camp requires bookkeeping skills. While you might have a steady cash flow during specific months, you could struggle to pay bills when school’s back in session. People working at banks that provide treasury and cash flow management for summer camps understand that challenge. They can help you navigate expenses, payroll and an influx of revenue throughout the year if you choose a bank with services that meet your needs.

Key Factors to Consider During Cash Flow Conversations

Bankers have extensive experience supporting clients with business needs, so prepare a few questions before your initial conversations with potential banks. You should gain access to the latest cash management tools and payment processing options to simplify things like accepting camp tuition. A good bank will also note their lending options for periods when you need help between peak camp seasons.

You may also gain access to checking or savings accounts by joining a new bank. Keeping your money with the same institution handling your cash flow management simplifies moving money around for savings and expenses.

You can also narrow your options by reviewing each bank’s customer service reputation. While you’ll get a good idea of how the employees treat their customers during your initial conversations, you should feel confident that they’ll be a strong support team long-term.

Banks With Financial Services for Summer Camps

When you’re ready to compare potential banks, start with ones that have the best support for company owners. You’ll feel confident contacting their teams because you know how they can support your summer camp year-round.

Machias Savings Bank

Small business owners rank Machias Savings Bank among the best banks that provide treasury and cash flow management for summer camps. It connects clients with dedicated relationship bankers who get to know your unique needs. You’ll receive tailored financial advice alongside cash management tools like automated clearing house payments, an online management platform and bill pay arrangements.

Machias Savings Bank locations also provide loans for summer camp growth strategies. Whether you need help paying expenses or expanding your campground, custom loans will help you reach your goals. Contact a representative to discuss how their highly rated services could support your operations throughout the year.

Key Features:

Flexible checking standards: You won’t have to maintain a minimum balance or pay monthly service fees to open a Machias Savings Bank checking account.

Business savings without restrictions: Clients can open business savings accounts with tiered interest rates that allow for withdrawals at any time.

Updated cash management tools: You could start managing revenue with included tools like MSB Business Online, wire transfers and electronic deposits.

Five-star customer service: Machias Savings Bank provides top-tier customer service for small business owners.

Lake Region Bank

Anyone operating a summer camp in Minnesota can consider working with Lake Region Bank. The regional bankers work with seasonal enterprise owners to strategize better cash flow ideas based on their financial records. They’ll brainstorm off-season services, inventory management changes and investment ideas to maximize your income throughout the year. Business rewards cards are also available if you want cash back on eligible purchases.

Key Features:

The Premier E-Corp suite: Lake Region Bank provides the Premier E-Corp — a virtual platform that puts all the bank’s cash management services in one location.

Mobile deposit capabilities: You could deposit checks on the go with the mobile deposit options through the Lake Region Bank app.

ACH Manager payroll resources: The ACH Manager platform automates payroll duties and initiates customer payments when refunds occur.

FDIC backing: Lake Region Bank has FDIC insurance, so your funds will have standard federal protection up to $250,000.

First Horizon Bank

The financial advisors at First Horizon Bank assist seasonal business owners daily. They know how to strategize your savings to cover low-revenue periods and maximize cash flow during peak seasons. They’ll also arrange lines of credit to cushion your budget through their in-house cash management tools if necessary.

Mobile banking tools are also available for First Horizon Bank customers. Company owners enjoy mobile money management resources, direct payroll deposit tools and fraud detection for all payments in and out of their operations. You could feel more confident about your cash flow strategies between consultations by checking those resources on your phone, computer or tablet.

Key Features:

Three business checking accounts: Business owners can open one of three checking account variations that provide different fees, transaction allowances and interest rates.

Optional payroll solutions: With the built-in platform for small and midsize entities, your payroll management could become easier.

Receivables services: If you want help managing receivables, First Horizon Bank can meet those needs while providing electronic bill pay and lockbox services. 

Waivable fees: Clients can waive their monthly fees on specific BizEssentials checking accounts if they meet the balance requirements during peak revenue periods.

First United Bank

First United Bank representatives connect entrepreneurs with cash flow solutions. They have digital forecasting tools that predict where your finances will be throughout the year based on existing monthly statements. You can also choose a custom checking account that meets your needs, like options with unlimited transactions or no monthly fees. The national bank has a high customer satisfaction rate due to its long-standing history, so you’ll find numerous resources at your fingertips during a consultation.

Key Features:

Numerous lending options: First United Bank has preferred lender status that gets quick approval for the U.S. Small Business Association (SBA) loans, lines of credit, and fixed or variable rate loans.

Digital security measures: Every First United Bank customer gets premier digital security software around their accounts to prevent phishing and malware attacks.

Treasury management tools: You’ll gain virtual resources to manage your liquidity, payables and receivables through the treasury management platform.

Scalable accounts: Numerous checking and saving account options can grow with your business if you’re ready to scale.

Bank of America

People trust Bank of America with their companies because the national brand offers many solutions. Representatives have small business specialists who answer questions and brainstorm solutions whenever necessary. If your camp struggles during a low-revenue season, you’ll have someone with expertise ready to strategize new ways to manage your limited cash flow.

Business accounts also come with robust security. You can assign numerous account managers and customize their access without worrying about your finances. Every professional account comes with 24/7 fraud detection, active monitoring and an internal two-factor authentication system for enhanced security.

Key Features:

Built-in virtual assistant: Erica assists Bank of America customers with insights and answers to their cash flow management concerns.

Working Capital Manager platform: Bank of America provides a customizable suite of solutions to manage working capital, like merchant services and treasury tools that gauge your camp’s financial health.

Payroll tools that grow with you: The flexible Business Advantage 360 grows with scaling operations, so you never miss a payroll deadline while managing your busy work life.

Postponed monthly fees: Anyone who opens a Business Advantage Fundamentals account enjoys no monthly fees for the first 12 months.

Points to Discuss With Financial Experts

When you have a few banks in mind, plan what you’ll discuss during your initial conversation with their representatives. If you mention concerns often affecting summer camp owners, you’ll know if the financial team can handle your specific challenges.

Your Seasonal Cash Flow Concerns

Experts estimate that 26 million children and adults attend camps every summer, but that’s a limited-time opportunity for revenue. Seasonal cash flow shouldn’t prevent you from maintaining your employee roster or paying monthly bills. Reputable bankers understand that concern. The best banks that provide treasury and cash flow management for summer camps will provide tailored solutions during low-revenue periods, like connecting you with financial aid and loans or restructuring your budget.

Expense Management Solutions

Summer camp owners manage numerous expenses when camp is in session. Financial strategies can assist with staff payroll, equipment purchases, food bills and other camp activity supplies. Updated software and recurring financial advisory meetings could make your bills more straightforward. Discussing the options available with each bank will clarify which teams are most prepared to assist during your busiest seasons.

Included Reporting Services

Accurate reports are essential for tracking expenses and revenue. Most of the data in those reports will likely come from the latest revenue-tracking software. Bankers should know how to collect data about multiple camper payment options easily.

People still pay for one in 20 non-cash purchases with checks, so ask bank representatives about their reporting services. They should easily monitor multiple types of payments and expenditures before calculating revenue projections to get you through each year comfortably.

Optional Demos for Financial Tools

You shouldn’t have to commit to a bank and hope you like its virtual tools. Ask if it provides demos for capabilities like reporting or expense management software. If they play a video demonstrating how their programs work, it could reassure you about your final choice. You’ll know which tools you’ll have for cash flow management and how well their built-in features could serve you.

Compare the Best Banks for Summer Camps

Researching banks that provide treasury and cash flow management for summer camps could offer some financial relief. You’ll know which banking teams can most support you during peak seasons and the periods between them. Set up appointments to discuss your questions — the right bankers will answer your concerns and provide actionable steps to improve your financial management strategies. 

Reliable cash flow management is not just a summer concern. It determines whether a camp can handle off-season costs, retain staff, and stay prepared throughout the year.