TREASURY MANAGEMENTStreamline Payments for Business Growth
Discover banking that makes running your business easier. From fraud monitoring to automated payments, DFCU Treasury Management and Merchant Services are built to make it easier to grow your Florida business.
TREASURY MANAGEMENTStreamline Payments for Business Growth
Discover business banking that makes running your business easier. From fraud monitoring to automated payments, DFCU Treasury Management and Merchant Services are built to make it easier to grow your business.
Business Treasury Management Options
Positive Pay and ACH Positive Pay
Stay one step ahead with check Positive Pay and ACH Positive Pay by matching every check against what your business actually issued, or against your approved-party list.
Remote Deposit Capture**
Save time and improve cash flow with remote deposit capture by depositing checks electronically from the comfort of your desk.
ACH Origination**
Send electronic payments directly through the ACH network, cutting the cost and hassle of paper checks.
Zero Balance Accounts
Consolidate funds in your business’s primary operating account while automating transfers. At the end of each business day, an automated transfer is made between the operating account and the designated zero balance account (ZBA).
Merchant Services
Keep your accounts growing with our merchant services, which securely deposits credit card transactions into your account daily.
Securely Send and Receive Funds
Send or receive funds with wire origination. It’s safe, affordable, and convenient.
Sync Automatically With QuickBooks®
Direct Connect imports your DFCU account activity straight into QuickBooks®, so you can manage your business finances without manual data entry.
Bank Anywhere Your Business Needs
Bank on the go with DFCU online and mobile banking to keep your business moving forward.
Treasury Management and Merchant Services
Contact your local branch.
Stay one step ahead of the fraudsters. Using check positive pay, DFCU will ensure checks presented are matched against the checks you have written and let you know of any exceptions. Using ACH positive pay, you set parameters of who can and who cannot debit or credit your account. If an ACH is presented that is not on your “white list,” we notify you of the exception so you can decide whether to pay it or return it.
Time and money are precious business resources, so improve cash flow and make deposits from the comfort of your desk with Remote Deposit Capture.
Features include:
- Deposits made prior to 8:00 p.m. on business days receive same-day credit
- Deposit to multiple DFCU Financial business accounts
- Create reports and view archived check images
- Encrypted data transmission for added security
DFCU Financial offers Automated Clearing House (ACH) as another useful tool to help save operating costs while improving cash flow. Transactions are originated electronically through the ACH network.
Features include:
- Direct deposit of payroll
- Vendor payments
- State and federal tax payments
- Mitigate payment fraud
- Simplify account reconciliation
- Forecast accurate cash position
Consolidate funds in your business’s primary operating account while automating transfers between collection and disbursement accounts. At the end of each business day, an automated transfer is made between the operating account and the designated zero balance account (ZBA).
Features include:
- Consolidate funds in the operating account, maximizing earnings credit potential
- Eliminate the need for manual transfers and prevent overdrafts
- Streamline account reconciliation
If credit card processing is an integral part of your operations, you need simple, secure, and innovative business credit card solutions. With a solution from DFCU, your customers’ credit card transactions are deposited into your business account daily. Ask your personal banker for more details today.
Point of Sale (POS) Solution
Take your business to the next level with the right POS solution. Not only can our POS solutions help you securely accept payments, but they can also help you manage your entire operation.
From tracking inventory and scheduling employees to marketing to customers, each of our POS solutions for small business owners delivers an integrated experience that can make running your business easier and smarter. Built-in payments, combined with hundreds of business management apps, enable your POS system to scale as your needs grow.
Frequently Asked Questions
Positive Pay compares every check presented for payment against the checks your business issued, flagging any mismatch as an exception for your review. ACH Positive Pay does the same for electronic transactions, using a list of approved parties you control. You decide whether flagged transactions are paid or returned.
Deposit Capture lets your business scan and deposit checks electronically from your office instead of making a trip to a branch. It’s built for businesses that receive a steady stream of paper checks and want those funds available faster, without the time cost of in-person deposits.
Yes. We process wire transfers. Wire transfer authorization requests may also be made in person at any DFCU Financial branch location. Wire transfers are processed Monday-Friday, 9:00 am – 4:00 pm EST. Wire transfers requested after processing hours or on the weekend will be processed on the next business day.
ACH payments typically process within one to two business days, though exact timing depends on when a payment is submitted relative to the day’s processing cutoff. A DFCU treasury specialist can confirm current cutoff times and processing windows.
A Zero Balance Account, or ZBA, automatically sweeps funds between a main account and one or more subaccounts so each subaccount ends the day at zero. It’s built for businesses running multiple accounts – by department, location, or purpose – that want centralized control over cash without having to manually move money between accounts every day.
Bank Smarter With These Solutions
Support You Can Count On
Whether you’re ready to join or just have questions, our team is here to help you move forward with confidence.
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