Cash Management

Running a business is a labor of love and more often than not, you’re stretched for time. Let us handle your transaction and cash management needs, so you can focus on the other things your business requires.

Mobile Remote Deposit Capture

Deposit checks on-the-go with your smart device, anywhere, anytime

At Navigant Credit Union, we understand the importance of efficient cash management for businesses like yours. Our free Mobile Remote Deposit Capture service allows you to deposit checks conveniently from anywhere, saving you time and effort.

Key Features:

Deposit checks directly from your mobile device, eliminating the need for trips to the bank.
Enjoy secure transactions with industry-leading encryption technology.
Accelerate your cash flow by depositing funds quickly and efficiently.

Whether you’re a sole proprietor or a small business, our Mobile Remote Deposit Capture solution is designed to meet your needs and simplify your banking experience. Get started today and take control of your cash flow! Learn more on our Business Digital Banking page.

Autobooks

Handle your payment process

Managing payments shouldn’t be a hassle. With AutoBooks from Navigant Credit Union, you can automate your invoicing and payment processes, saving time and reducing manual errors. Whether you’re sending invoices to clients or processing payments from customers, AutoBooks simplifies the entire process, allowing you to focus on growing your business.

Click Here to learn more.

ACH Collections

Streamline transactions with electronic payments

Managing collections is a complex task for businesses, often involving high volumes of transactions and intricate payment processes. Our ACH Collections solution simplifies the entire process, allowing you to receive payments electronically with ease. With secure and efficient ACH processing, you can streamline your transactions, reduce costs, and improve cash flow management, enabling you to focus on strategic initiatives and business expansion.

Efficiency: Automates the collection of recurring payments, reducing administrative effort and time.

Consistency: Ensures timely and consistent receipt of payments, improving cash flow stability.

Predictability: Enhances financial planning with predictable payment schedules.

Convenience: Simplifies payment processes for customers, leading to higher satisfaction and retention.

Security: Reduces the risk of payment fraud compared to traditional check or cash payments.

Reduced Errors: Minimizes the potential for manual entry errors, improving overall accuracy of financial records.

Lockbox

Streamline Payment Processing with Lockbox Services

In today’s dynamic business environment, efficient payment management is crucial for maintaining cash flow and supporting operations. Lockbox services offer businesses—from small startups to large corporations—a streamlined solution for handling high volumes of checks and payments, driving efficiency and enhancing financial management.

Accelerated Cash Flow: Lockbox services expedite cash flow by receiving payments directly at a designated post office box, swiftly processing and depositing them into the business’s bank account. This reduces the time to access funds and improves cash flow predictability.
Enhanced Efficiency: Outsourcing payment processing to a lockbox service provider frees up valuable time and resources. With dedicated personnel and advanced technology, payments are processed quickly and accurately, allowing internal teams to focus on strategic tasks.
Improved Accuracy and Security: Lockbox services minimize the risk of errors, loss, or theft associated with manual processing. Payments are handled in a secure environment with stringent security measures and advanced technologies like OCR for accurate processing.
Enhanced Customer Experience: Faster processing times and improved accuracy lead to prompt and reliable payment handling, increasing customer satisfaction and loyalty. Flexible payment options such as electronic payments and online bill pay further enhance convenience.
Comprehensive Reporting and Analytics: Lockbox service providers offer detailed reports and real-time dashboards, providing valuable insights into payment trends and cash flow. Data-driven insights enable informed decision-making and continuous improvement in financial operations.

By leveraging lockbox services, businesses can streamline financial operations, unlock new efficiencies, and focus on driving growth and success in today’s competitive marketplace. Click here to learn more.

Merchant Payment Processing

Simplify operations, boost sales, and delight customers with Clover

For businesses, which typically have fewer than ten employees and limited resources, finding the right tools to manage daily operations is crucial. Clover, a versatile point-of-sale (POS) system, stands out as an ideal solution. Here are the key benefits of using Clover for businesses:

Cost-Effective Solution

Inventory Management

Integrated Payments + Quick Transactions

Analytics + Reporting

24/7 Support

Click Here to learn more.

Remote Deposit Capture

Deposit 100 checks or 1,000 checks, all from your place of business with Remote Deposit Capture

Say goodbye to time-consuming trips to the bank with our Remote Deposit Capture service. With just a few clicks, you can deposit checks directly from your office or on the go, eliminating the need for paper-based transactions and speeding up your cash flow. Whether you’re a small startup or a growing mid-sized enterprise, Remote Deposit Capture provides the flexibility and convenience you need to stay ahead.

Increased Efficiency and Cost Savings
Improved Cash Flow Management
Enhanced Security
Convenience and Flexibility
Environmental Benefits

Smart Safes

Combine efficiency with protection using Smart Safes by Brinks

Brinks safes offer numerous benefits for businesses in cash-heavy industries. These safes provide enhanced security by reducing the risk of theft or internal shrinkage, as cash is deposited directly into the safe and secured immediately. With real-time tracking and reporting features, businesses can monitor cash flow accurately, minimizing discrepancies and ensuring greater transparency. Smart safes also streamline operations by automating cash handling processes, reducing the need for manual counting and deposits. Offering seamless integration with various services, allowing for timely and secure cash pickups, which reduces time spent on bank runs and enhances overall operational efficiency. Learn more about Smart Safes by Brinks.

Card Services

From procurement cards to attractive rewards programs, improve your spending power

Credit cards have become indispensable financial tools for individuals and businesses alike, offering convenience, security, and purchasing power. However, beyond the basic functionality of making purchases and managing expenses, many credit cards also come with rewards programs that offer a range of benefits and incentives for cardholders. From cashback offers to travel rewards and loyalty points, these rewards programs provide tangible value and enhance the overall cardholder experience.

ACH Payments

Harness the power of ACH credits for efficient, cost-effective payments

Leveraging ACH credits can transform the financial efficiency of businesses by enabling seamless, electronic transfer of funds directly into payees’ bank accounts. This method is particularly advantageous for disbursing payroll, vendor payments, and reimbursements, offering a reliable and timely solution that enhances recipient satisfaction. By adopting ACH credits, businesses can reduce processing costs associated with paper checks and improve cash flow predictability. The automation and scheduling capabilities of ACH credits streamline financial operations, freeing up valuable resources and minimizing errors. ACH credits not only boosts operational efficiency but also supports sustainable business practices by reducing paper usage.

Cost Reduction: Lower transaction costs compared to issuing paper checks or other traditional payment methods.
Timeliness: Ensures timely payments to employees, vendors, and other payees, enhancing satisfaction and reliability.
Automation: Streamlines payroll and vendor payment processes through automated, scheduled transactions.
Predictability: Improves cash flow predictability and financial planning with precise payment scheduling.
Security: Mitigates the risk of check fraud and lost payments through secure electronic transfers.
Environmental Impact: Supports sustainability by reducing the need for paper checks.

Positive Pay

Safeguard your finances by stopping check and ACH fraud

In an era of increasing cyber threats and financial fraud, protecting your business from unauthorized ACH transactions and check fraud is paramount. That’s where positive pay comes in—a powerful tool that offers businesses peace of mind and financial security. Let’s explore the compelling benefits of positive pay and why it’s a must-have for businesses:

Fraud Prevention and Risk Mitigation
Enhanced Security and Control
Streamlined Reconciliation and Reporting
Compliance with Regulatory Requirements
Cost Savings and Efficiency

Payroll Services

If payroll has become a hassle as your business grows, we are here to help with our partners at ADP®

Payroll isn’t just about paying your employees. There’s a whole host of important administrative functions that need to be performed every day. Our partner, ADP®, offers a complete suite of services that give you the ability to:

Manage your business’ cash flow and compliance with our business payroll solutions.

Keep your employees happy with our human resources management solutions.

Administer employee benefits in an accurate and timely manner.

Proactively handle the complexities and compliance of tax reporting.

Accurately record employee time and attendance.

Bill Payment

Save time, money and the environment by using Navigant’s free Business Bill Payment service

By automating bill payments, business owners can free up valuable time that would otherwise be spent on manual payment like writing checks or going to the post office. This allows them to focus more on core business activities such as product development, marketing, and customer service.

Wire Transfers

Transfer funds fast and securely with Navigant Wire Transfer services.

In the global marketplace, businesses often need to transfer funds quickly and securely across borders. Our Wire Transfer service provides a reliable solution for facilitating domestic and international payments, ensuring fast and secure transfers with minimal hassle. Whether you’re making vendor payments, funding acquisitions, or managing overseas operations, our wire transfer platform offers the speed, security, and reliability you need to conduct business with confidence.

CD Accounts

Stabilize your rate of return with a fixed rate over time

CDs offer businesses a safe and predictable way to grow capital. With guaranteed returns and a fixed interest rate, they provide a secure option for businesses looking to preserve capital while earning a steady income. Ideal for funds that can be committed for a specific period.

Money Market Accounts

Make your money work as hard as you do while keeping it accessible

Money Market Accounts combine the security of savings accounts with higher interest rates. They offer businesses the flexibility to access funds when needed while earning more than a traditional savings account. This is an excellent option for businesses looking for liquidity without sacrificing earnings.

Zero Balance/Target Balance Sweep Account

Automatically transfer funds between accounts to maintain a target balance

Zero balance accounts (ZBAs) and Target Balance accounts offer several benefits for businesses, including streamlined cash management, improved financial control, and cost savings. By automatically transferring funds between accounts to maintain a target balance, businesses can optimize cash flow and ensure that excess funds are not idle in non-earning accounts. This structure helps reduce the risk of overdrafts, minimizes interest costs, and improves overall operational efficiency by consolidating funds into a central account for easier tracking and reporting. Target Balance Accounts can simplify the reconciliation process, making financial oversight more efficient.

Investment Sweep Account

Put every penny to work by automating investments

Investment sweep accounts offer businesses several advantages, including enhanced cash management and potential for higher returns. By automatically transferring surplus funds into short-term, interest-bearing investments, businesses can earn a return on idle cash while maintaining liquidity. This helps optimize cash flow, reduce the need for short-term borrowing, and potentially generate additional income from surplus funds. Investment sweep accounts provide a simple, automated way to manage excess cash, improve financial efficiency, and support business growth.

Contact the Cash Management Team today.

Business Digital Banking

With our Business Online Banking, you have the power to manage your finances 24/7 from wherever you are, with a simple click. Our leading-edge technology gives you the freedom to transfer money, check balances, pay bills, deposit checks, and more, right from the convenience of your computer, laptop, or mobile device.

Cash Management

Running a business is a labor of love and more often than not, you’re stretched for time. Let us handle your transaction and cash management needs, so you can focus on the other things your business requires.

Mobile Remote Deposit Capture

Autobooks

ACH Collections

Lockbox

Merchant Payment Processing

Remote Deposit Capture

Smart Safes

Card Services

ACH Payments

Positive Pay

Payroll Services

Bill Payment

Wire Transfers

CD Accounts

Money Market Accounts

Zero Balance/Target Balance Sweep Account

Investment Sweep Account

Contact the Cash Management Team today.

Business Digital Banking

Get in touch with us

About

Tools and Resources

Quick Links

Equal Housing Opportunity

Navigant Credit Union is federally insured by NCUA

Cash Management

Running a business is a labor of love and more often than not, you’re stretched for time. Let us handle your transaction and cash management needs, so you can focus on the other things your business requires.

Mobile Remote Deposit Capture

Autobooks

ACH Collections

Lockbox

Merchant Payment Processing

Remote Deposit Capture

Smart Safes

Card Services

ACH Payments

Positive Pay

Payroll Services

Bill Payment

Wire Transfers

CD Accounts

Money Market Accounts

Zero Balance/Target Balance Sweep Account

Investment Sweep Account

Contact the Cash Management Team today.

Business Digital Banking

Get in touch with us

About

Tools and Resources

Quick Links

Equal Housing Opportunity

Navigant Credit Union is federally insured by NCUA

NavigantCU.org says