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Thanks for this overview! I've been using parts of this flow for a few years, but it's not 100% automated where it could be.

Do you have suggestions for banks that make it easy to implement this workflow?

I have had a good with with a few community banks that were in the area that I happened to be in. The poor man's implementation ( 3 accounts with the one coded for no withdrawals ) costs about $15/mo and it makes me known to the branch staff, including the managers, which is invaluable. It works for both personal and business accounts but it does not have a good online experience -- there's no positive pay.

National banks ( think Chase/Citi/Boa/WF/HSBC ) offer positive pay on cash management accounts ( corporate/treasury/commercial ) but have very complex workflow so I avoid them.

From regional ones I had a good experience with PNC.

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