Citywide Banks, a division of HTLF Bank
Payment Solutions

No matter the size, a solid payments strategy is crucial to the success of any business.

Checking Lumber Pile

A Team That is a Cut Above

Our financial team provides access to additional working capital, automated processes and business expertise.

“They’re good people who want to help us grow our business, and we appreciate that.”

- President and CEO, Lumber Company

Unique Solutions Featuring a Lumber Company

We offer payment solutions - not just a credit card

We continuously find the best opportunities to optimize and grow our client’s payment strategies. This dedication has led to establishing us among the highest commercial credit card purchase volume for VISA® credit card issuers in the U.S. seven years in a row! ~ The Nilson Report, 2022

Save time and money by automating vendor payments
Our team can provide an analysis of your vendor file to identify opportunities for savings, and will work on your behalf to enroll vendors onto your card and/or the Integrated Payables platform.

Reduce payment fraud
In 2020, payments fraud was reported* by 74% of businesses. With our intuitive tools, we’ll work with you to help ensure you’re not the next victim.
*2021 AFP Payments Fraud Survey

Improve cash flow
Pay your vendors now, but don’t pay us until your statement is due. This provides up to 25 more days to pay for everything your business needs from travel and entertainment to inventory and supplies.

Add recurring revenue to your balance sheet
We offer revenue share on card purchases and can help your business reduce AP processing costs.

Ready to optimize your payments strategy?

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Product Overview

Commercial One Card
With combined Purchasing Card and Travel & Entertainment (T&E) Card functionality, this ONE card does it all. Use for travel, pay vendor invoices, tailor spending limits, manage controls and more.

Virtual Card
Virtual Cards help your business reduce employee reimbursements while maintaining control of department issued accounts. You can also file the Virtual Card with your vendors to reduce invoicing for recurring payments.

Integrated Payables
Turn a cost center on your balance sheet into a profit center. The complete payment solution for ALL payment types, Integrated Payables turns expense into revenue. A single platform gives you ONE payment solution for all payment types: Check, ACH and Virtual Card. With this cutting-edge technology, not only do we enroll vendors on your behalf, but you can also take advantage of cost savings, added fraud control, better vendor relations and more.

Fuel Card
Our Fuel Card is a payment solution used for fuel, additives, maintenance, repairs or other vehicle expenses. With enhanced transaction data, POS prompting, comprehensive reporting and more, this card helps you manage expenses for both your individual drivers and vehicles.

VISA® Spend Clarity
An intuitive and easy-to-use platform, Visa Spend Clarity streamlines manual processes and initiates company cost savings. This platform includes full expense management, robust reporting, advanced receipt imaging and mobile app capability.

Card Management
An online card management tool enables administrators to monitor and update card accounts. This platform allows real time card changes and the ability to view authorizations and transaction history.



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Our Commercial Banking Team is ready to help your business grow.



Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. Normal underwriting guidelines apply.