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.

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.

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

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 fraud

In an era of increasing cyber threats and financial fraud, protecting your business from unauthorized 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.

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.

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.