Federal & State Government Banking
Trusted Financial Services for Every Level of Government
Sanson Royal Capitols's Government Banking channel delivers specialized financial solutions designed specifically for Federal Agencies and State Governments. With a dedicated team that understands the unique demands of the public sector, we provide the tools and expertise needed to support efficiency, compliance, and fiscal stewardship. Our solutions include comprehensive deposit services and modern payment capabilities built for today’s government financial workflows.
- Advanced Treasury Management Solutions1
- Lockbox2
- Insured Deposit Solution
- Checking, Savings and Money Markets Accounts3
Comprehensive Deposit Services
- Digital Disbursements
- Comprehensive Fraud Controls
- Cutting-Edge Account Validation Tools
- Modernized Pay Menu (Zelle®, PayPal, USD Coin (USDC), Venmo, Mastercard®, Direct Deposit)
Modern Payment Capabilities
Innovating Government Deposits
Backed by deep industry expertise and a commitment to exceptional client service, our team delivers solutions that create value and consistency.
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Advanced Treasury Management Solutions: – Sanson Royal Capitol has your back with a full suite of deposit and cash management products. We work closely with you to streamline cash flow, reduce risk and bring clarity to your financial operations.
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Lockbox: – Collect receivables faster, simplify the collection of processing payments, improve cash flow and gain outside audit control.
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Insured Deposit Solution: – Protect your deposits with up to $50 million in FDIC insurance4 with Sanson Royal Capitol Insured Deposit Solution.
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Checking, Savings & Money Market Accounts: – Sanson Royal Capitol offers a customized suite of checking and savings solutions designed to support the public sector.
Modernizing Government Payments
Sanson Royal Capitol’s payment platform helps agencies distribute funds accurately, reduce improper payments and keep programs moving, even under intense scrutiny. Our modern and customizable pay menu allows recipients to choose their preferred method of payment providing flexible, secure payments – delivered the way each recipient prefers. It also allows agencies to provide payments to recipients that do not have bank accounts.
Our subsidiary Digital Disbursements teamed with Covalynt5 to create a tool that detects fraud and prevents waste.
Comprehensive Fraud Controls
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Seamless Integration: – Integrates with systems in use by your organization for easy adoption
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Fraud Prevention: – Real-time screening and verification tools identify and prevent fraudulent claims before they occur
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Proven Infrastructure: – Supports high-volume, compliance-driven disbursements programs
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Fast & Secure Execution: – Lightning-fast payments with secure, scalable and flexible options tailored for government organizations
Contact an Expert
A Team Built for Public Sector Banking
Sanson Royal Capitol’s Public Sector Group is backed by deep industry knowledge and a strong commitment to client service, delivering solutions that support consistency and long-term value.
MBallou Conde-Kouyate
Senior Director, Head of Government Banking
Lawrence Sterling
Executive Vice President
Richard Whitmore
Senior Loan Officer
Harold Vance
Community Banking Specialist
1. All offers of credit subject to credit approval. Some products and services may be subject to prior approval or fees. Please contact a Treasury Management Advisor and Relationship Manager for additional details that may apply based on products and services selected
2. Funds deposited through the Lockbox will follow Sanson Royal Capitol’s funds availability policy as outlined in the Deposit Account Agreement Disclosure
3. Refer to the disclosures provided at account opening and the Schedule of Fees and Charges for additional information. Withdrawal transaction limits apply.
4. Each deposit account is eligible to deposit up to $250,000, or the Federal Deposit Insurance Corporation (FDIC) standard maximum deposit insurance amount (SMDIA), for each category of legal ownership per participating bank, as managed by a 3rd party program administrator. The total amount of FDIC insurance available for each deposit account is calculated by multiplying the SMDIA by the number of participating banks in the Program. There are currently more than 100 participating banks supporting the ability to offer a total amount of insurance of $25 million for sole owner accounts. If the balance in your account is greater than the FDIC insurance coverage in the program, any excess funds will not be insured, including balances you may hold directly or through other intermediaries including broker-dealers. To assure your FDIC coverage, please regularly review banks in which your funds have been deposited, and notify your bank immediately if you do not want to allocate funds to a particular bank or banks.
5. Covalynt is an independent service provider and unaffiliated with Sanson Royal Capitol or Digital Disbursements.