Specifications include, but are not limited to: The City of Citrus Heights is soliciting proposals from full-service financial institutions. With the ongoing changes in technology and treasury management practices occurring within the banking industry, the City has determined that a review of services offered is appropriate at this time as a prudent procurement practice. The primary objective of this proposal is to obtain the most efficient and high quality banking services at the most reasonable cost. It is the City's intent to maintain all of its banking services with one financial institution, and as such, all proposals must include services for all bank accounts. The City reserves the right to add or reduce the number of accounts required to meet its banking needs. The City wishes to utilize the following banking services: full account reconcilement for operating accounts, positive pay, electronic transaction fraud protection, online tax payments, electronic deposit and disbursement, online wire entry and online stop payment. Cleared checks will be returned by electronic file transfer. Online reporting should include prior and current day transactions, daily and monthly bank statements. Compensating balances and a sweep account are utilized.