ACH Debits and Credits

ACH debits and credits streamline the payment process by eliminating paper checks and improving efficiency and cash flow management.

The Rundown

  • Payroll/Direct Deposit – Pay employees via direct deposit anywhere they bank in the United States.
  • Vendor Payments – Send vendor payments more efficiently.
  • ACH Credits – Transfer funds to an account at another financial institution.
  • ACH Debits – Arrange for transfer of funds from another financial institution.

Access these features through Online Banking.

Connect with a business development manager!

Online Wires

Online wire transfers are the fastest, most convenient way for your business to move funds quickly and securely around the country.

The Rundown

  • Immediate funds availability: Funds transferred by wire are considered collected funds and are generally available as soon as a wire is credited to the beneficiary’s account. Domestic transfers typically arrive at their destination on the same business day they’re sent, if sent before 3:30 p.m. Eastern Standard Time (EST). There’s no need to allow time for mailing or collection.
  • Security: Built-in safeguards ensure the accurate, safe and confidential transfer of funds.
  • Easy, self-service: Available in Online Banking 24/7.

Access these features through Online Banking.

Connect with a business development manager!

Additional Benefits

What’s the difference between wire transfers and ACH?

Time. An ACH processes the next business day. A domestic wire transfer will debit out of your account the same day as long as you submit it before 3:30 p.m. EST, Monday through Friday.

Managing payments online

Learn how to make and collect business payments within Online Banking, where you can define rights and limits for multiple people to make and receive payments.

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International transactions

Business members who make international transactions can also receive funds through their Consumers account using SWIFT bank identifier code CNRIUS33.

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Payroll services

We have a partnership with professional experts from BASIC who can help you with all your payroll needs, including payments (via ACH direct deposit), withholdings and disbursements.

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Business Member Spotlight Marty Webber

“You should always have something to fall back on,” he told us. So even though he has a partnership that runs two very successful tattoo shops – Art and Soul Tattoo in Portage and Body Armor Tattoo in Kalamazoo – he recently opened W&W Autobody in Mattawan.

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