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Cash Management for your Business

Local service to simplify running your business — small or large

Entrepreneur double checking packing list

Not a business member yet? Open your business account with us!

CEFCU Check Capture footnote 1

Make your business deposits at the office 24/7 with secure remote deposit.

  • We provide the scanner you’ll use.
  • Deposits are credited the same business day footnote 2.

Cost & Agreement Info

  • One-time $350 licensing fee.
  • Monthly $35 per scanner/software installation.
  • There is no charge for each scanned item or number of deposits.
  • A three-year agreement is required with automatic renewal each year after.

More Check Capture FAQs

Electronic Payment Services

Transfer money quick & secure.

  • Payroll deduction and direct deposit for employees,
  • State and federal tax payments,
  • Mandated child support payments,
  • Electronic debit and invoicing,
  • Payments to corporate customers, trading partners, and other company divisions.

We also offer same day payment and transfer set up — learn more here.

Sweep Services

Earn dividends on excess operating cash!

How it works:

  1. Set a target balance in your Business Checking.
  2. At the end of each business night, any amount over that target will automatically move to your Insured Money Market Account (IMMA).
  3. Your IMMA earns dividends.

Sweep benefits:

  • Access your funds quick and easy.
  • Earn great rates on your extra operating cash.
  • Avoid costly brokerage fees with this automated cash management.
  • Plus, as a safety net, money is also transferred from the IMMA to cover checks.

Merchant Services

Process sales online, mobile, and in-store with:

  • Credit
  • Debit
  • Gift card
  • Apple Pay®
  • Google Pay™
  • Electronic Check

Integrated payment solution benefits include:

  • A streamlined experience for customers
  • Data security tools to protect your business from fraud
  • Customer support 24/7/365
  • Funding within 48 hours
  • Options to rent or purchase processing hardware

Learn more about Merchant Services

Night Deposits

Available at most CEFCU Member Centers.

Features & Benefits

Online Banking

Check balances, transfer money, and more 24/7.

ATMs

Use over 30,000 surcharge-free ATMs.

Mobile App

Access your accounts with your smartphone or tablet.

eStatements

Go green and enjoy convenient, secure statement access.

Overdraft Protection

Avoid merchant fees and declined transactions.

1. Eligibility requirements subject to approval. The initial cost is $350 (one-time licensing fee) and $35 per month per scanner/software installation. There is no charge for each scanned item or number of deposits. A three-year agreement is required with automatic renewal each year after. Minimum computer system requirements apply.

2. Same-day credit is given to all deposits made by 5 p.m. (CT) Monday to Friday and by 1 p.m. (CT) Saturdays.