DFCU Financial offers Automated Clearing House (ACH) Origination for businesses to electronically initiate transactions through the ACH network. Features include: Direct deposit of payroll Vendor payments State and federal tax payments Simplify account reconciliation Support cash-flow forecasting

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

Help manage check and ACH fraud risk with Positive Pay tools that match transactions against information provided or approved by your business.

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Remote Deposit Capture**

Save time and improve cash flow with remote deposit capture by depositing checks electronically from the comfort of your desk.

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ACH Origination**

Send electronic payments directly through the ACH network without the need for paper checks.

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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).

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Merchant Services

Accept card payments and have transaction proceeds deposited directly into your business account.

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Securely Send and Receive Funds

Conveniently send and receive funds with wire origination.

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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.

Forms & Disclosures

Account Switch Kit ACH Instructions For Your DFCU Financial Account Business Change of Contact Information Creating an ACH Payment Credit Card Automatic Payment Agreement Written Statement of Unauthorized Debit (ACH)

All Forms

Treasury Management and Merchant Services

Contact your local branch.

Help manage check fraud risk with Check Positive Pay, a fraud-risk-management control that matches presented checks against check information provided by your business and identifies exceptions for review.

ACH Positive Pay allows you to establish parameters for authorized ACH transactions and identify exceptions so you can determine whether to pay or return them.

Save time 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) Origination for businesses to electronically initiate transactions through the ACH network.

Features include:

Direct deposit of payroll
Vendor payments
State and federal tax payments
Simplify account reconciliation
Support cash-flow forecasting

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
Reduce the need for manual transfers and help manage account balances.
Streamline account reconciliation

DFCU offers merchant services to help your business accept and process card payments, with transaction proceeds deposited directly into your business account. Ask your banker for more details.

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.

Remote 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 a.m. – 4:00 p.m. 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.