Manage Payments. Maximize Cash Flow.
Collect receivables faster, pay people in a click, and put idle funds to work. Eight tools, one login, and a local team that sets it all up with you.
Pick the Problem. We Have the Tool.
Every business bottlenecks somewhere different. Start with what costs you the most time and work from there.
Getting Paid
Checks piling up, card sales to process, invoices to collect.
See the toolsPaying Out
Vendors, employees, taxes, bills, and overseas suppliers.
See the toolsProtecting and Growing Idle Cash
Prevent overdrafts and keep every dollar earning.
See the toolsSeeing It All in One Place
Balances, transfers, and approvals from any device.
See the toolsTurn Receivables Into Cash Faster
Money you have earned but cannot use yet is money working for someone else. These tools close that gap.
Deposit Checks Without Leaving the Office
Scan and deposit checks right from your office. No drive to the branch, no checks sitting in a drawer until Friday.
- Deposit from your desk with a compatible scanner
- Faster processing means faster access to funds
- Deposit to multiple accounts from one location
- Works alongside mobile deposit in the ACU app
Accept Cards Everywhere You Sell
Accept every major card at the counter, on your phone, or in your online store through ACU's Gravity Payments partnership. Transparent pricing with no hidden fees.
- POS, mobile, and eCommerce solutions
- All major cards accepted
- Transparent pricing, no hidden fees
- Local decision-making and support
Pay Everyone Without the Paperwork
Vendors, employees, taxes, bills, and overseas suppliers. Four tools that turn payment day into a few clicks.
Move Money on Your Schedule
Pay vendors, run direct deposit payroll, and manage tax payments with secure internet-based tools. Money moves on your schedule, not the mail's.
- Direct deposit payroll your employees will thank you for
- Expedited vendor payments
- Scheduled tax payments
- Secure, internet-based origination
Every Bill, One Dashboard
Receive and pay bills online from one dashboard. Faster than mailing checks, and every payment is logged automatically.
- Centralized payment management
- Faster than checks in the mail
- Reduced processing costs
- Full payment history at a glance
Put Every Idle Dollar to Work
Cash sitting still is a missed opportunity. Automated sweeps make sure it never does.
Your Money Moves Itself Overnight
Automated sweeps move funds where they work hardest: covering your checking to prevent overdrafts, paying down a credit line, or moving excess into higher-earning accounts overnight.
- Zero-balance account options
- Automatic overdraft prevention
- Pay down credit lines automatically
- Excess funds moved to higher-earning accounts
Run It All From One Login
Every cash management tool connects through business online banking, so your whole operation lives on one screen.
Your Whole Operation, Any Device
Check balances, move money, deposit checks, and approve payments from your desk or your truck. Apple Pay supported.
- Real-time balances and transfers
- Mobile check deposit
- Bill pay built in
- Apple Pay support
Not Sure Where to Start? That Is What We Are Here For.
Cash management is not one-size-fits-all. Tell our business services team how money moves through your business and they will map the right tools to it. Consultations are complimentary for members.
Tools Are Easy. Support Is Rare.
Plenty of institutions sell cash management software. ACU pairs it with a local team that answers the phone.
One Login for Everything
Every tool lives inside business online banking. No juggling vendor portals.
Local Setup and Training
Our team configures your tools and trains your staff. No 800-number runaround.
Bank-Grade Security
Multi-layer authentication and secure origination on every transaction.
No Long-Term Contracts
Add tools as you grow, drop what you outgrow.
Trusted Partners
Gravity Payments, vetted and integrated by ACU.
NCUA Insured
Your business deposits are federally insured up to $250,000.
Three Steps to Smoother Cash Flow
You do not need to know the tools. You just need to know your business. We handle the rest.
Tell Us How Money Moves
Call 253-964-3113 or meet the team. Walk us through how your business collects and spends, and where it slows down.
Get Your Toolkit Matched
We recommend only what fits. A two-person shop and a fifty-employee contractor need different tools.
Set Up, Train, and Run
We configure everything, train your staff, and stay one phone call away as your business grows.
“ACU's business team provides the kind of personalized service and local decision-making that you just can't find at the big banks. They understand our business and respond fast.”
Cash Management FAQ
Answers to the questions business members ask most about cash management tools.
Disclosures
Card processing services provided through Gravity Payments, a third-party provider whose services are subject to its own terms and agreements. Service availability and pricing vary by business size and volume.
Membership required. America's Credit Union is a federally chartered credit union. Business deposits are federally insured by the NCUA up to $250,000. NMLS #449181. Equal opportunity lender.
Spend Less Time Moving Money
and More Time Making It
One conversation with our business services team is all it takes to find out which tools pay for themselves.