Treasury Management
Whether you're a growing small business, managing complex real estate portfolios, serving your community, or leading a nonprofit, we deliver tailored treasury solutions designed to simplify operations, improve cash flow, and support your strategic goals.
Limited Time OfferGrow Your Business with Three Months Free*
Enroll in any of our Treasury Management services today and enjoy your first three months free.
Take advantage of this limited-time promotion and discover how ACH Origination, Positive Pay, and Remote Deposit Capture can simplify your business operations. Our Treasury Management Team is here to help you get started. Offer ends December 31, 2026.
Small & Micro BusinessesSmart, Simple Banking for Growing Businesses
Focus on running your business—we’ll simplify your finances with easy-to-use tools and real support.
- Business checking & savings
- Online & mobile banking
- Remote deposit capture (RDC)
- Debit/credit card solutions
- Digital invoicing & payments
- Basic ACH origination
- Fraud monitoring (entry-level)
Services tailored to fit your needs:
Positive Pay Fraud Prevention: Add a practical layer of protection against forged, altered, counterfeit, or unauthorized transactions. Check Positive Pay helps compare issued checks against those presented for payment, while ACH Positive Pay lets you review incoming electronic debits before they clear.
Remote Deposit Capture: Save time away from the office by scanning and depositing physical checks from your desktop, helping small teams speed up deposits without adding extra trips to a branch. This is a credit exposure product and is subject to approval.
ACH Origination: Move money electronically for everyday needs such as payroll, vendor payments, rental payments, external transfers, and other recurring business transactions. This is a credit exposure product and is subject to approval.
Real Estate & Middle MarketScalable Treasury Solutions for Growth & Complexity
Manage complex cash flows, multiple entities, and large transaction volumes with confidence.
- Advanced ACH & wire services
- Escrow & property management accounts
- Cash concentration & sweeping
- Payables automation
- Liquidity management tools
- Advanced fraud protection (dual controls, positive pay)
Services tailored to fit your needs:
Positive Pay Fraud Prevention: Strengthen controls across higher transaction volumes and multiple accounts by helping identify suspect checks and unauthorized ACH debits before losses occur. Dual review through business online banking supports tighter oversight and faster exception decisions.
Remote Deposit Capture: Support distributed teams, leasing offices, and property operations by depositing checks electronically from the office desktop, reducing branch visits and improving access to funds. This is a credit exposure product and is subject to approval.
ACH Origination: Streamline complex payment activity such as rent collection, vendor payments, investor distributions, external transfers, and recurring operating payments with efficient electronic movement of funds. This is a credit exposure product and is subject to approval.
Municipal & Public FundsSecure, Compliant Solutions for Public Sector Needs
Maintain transparency, ensure compliance, and safeguard public funds with trusted treasury management services.
CCU offers:
- Public funds compliant accounts
- Collateralization services
- Advanced reporting & audit trails
- Tax collection solutions
- Lockbox for utilities/payments
- Fraud protection & risk controls
- Dedicated relationship support
Nonprofits & Not-for-Profit OrganizationsSupporting Your Mission with Reliable Financial Tools
Maximize every dollar and maintain transparency with flexible treasury tools designed for your mission.
- Low-fee or nonprofit-specific accounts
- Online donations & payment processing
- ACH collections for recurring giving
- Reporting & audit-friendly tools
- Merchant services for events & fundraising
- Segregated accounts for grants/programs
Services tailored for your needs:
Positive Pay Fraud Prevention: Help safeguard donor dollars, grant funds, and operating accounts by reviewing suspect checks and ACH debits before they post. This added layer of protection supports strong stewardship and reduces exposure to payment fraud.
Remote Deposit Capture: Make it easier to deposit checks from donations, events, memberships, or program activity directly from your office, helping staff spend less time on banking tasks and more time supporting the mission. This is a credit exposure product and is subject to approval.
ACH Origination: Simplify recurring giving, membership dues, vendor payments, payroll, and program-related disbursements through secure electronic payments and collections. This is a credit exposure product and is subject to approval.
Community InvolvementCCU Offers Financial Literacy Seminars
We're committed to serving our communities with robust financial literacy seminars. We work with municipalities to customize seminar offerings based on the needs of the community. We also offer these seminars to municipal employees through our Bank At Work programs.
Business Deposit ProductsBusiness Checking & Deposit Accounts built for you
Whether you’re a small business, high-volume operation, nonprofit, or municipality, we offer flexible accounts that keep your money working for you — not the other way around.
Freedom Business Checking
- 100 free monthly transactions*
- No minimum balance
- Straightforward, stress-free banking
Power Business Checking
- 500 free transactions*
- Earn dividends
- Just $5,000 average daily balance
Choice Commercial Checking
- Offset service fees with monthly earning credits
Efficient cash management for complex operations
Community Checking — (Municipalities, Not for Profit & Nonprofits)
- 300 free transactions monthly*
- No minimum balance
- Earn dividends on balances over $500
So you can focus on serving your community — not managing bank fees.
Smarter Savings. Stronger Returns.
- Business Savings – No minimum balance with a checking account
- Business Money Market Accounts – Tiered dividends that reward higher balances
- Business Certificate Accounts – Lock in competitive rates with term flexibility
Fraud Management ToolsAdvanced Fraud Protection that works overtime
ACH Positive Pay
- Review and approve incoming ACH debits before posting
- Block unauthorized transactions
- Meet NACHA’s tight dispute timelines with confidence
Check Positive Pay
- Automatically match issued checks to presented checks
- Catch altered, forged, or counterfeit items before they clear
- Built-in protection that acts like insurance against check fraud
Digital BankingDigital Banking that puts you in control
Manage accounts anytime, anywhere with a powerful, customizable online banking platform:
- Real-time balance and transaction reporting
- Clearing check images and statements up to 2 years
- Mobile check deposits (up to $10,000/day)
- Business bill pay, stop payments, and reconciliation tools
- Custom user access and multi-level security
Everything you need — without extra spreadsheets or extra steps.
Payable & Receivable Management ToolsPay & Collect faster with electronic solutions
ACH Origination
Replace paper checks with secure electronic payments:
- Payroll distribution
- Vendor payments
- Customer collections
- Inter-bank transfers
Faster payments. Lower risk. Better cash flow.
Remote Deposit Capture
Turn your office into a branch.
- Scan and deposit checks electronically
- Unlimited deposits
- No per-item fees
- Save time, reduce travel, and improve cash availability
Complete Cash Flow & Payment Services
- Sweep Solutions (zero balance, target balance, and investment sweeps)
- Domestic and international wire transfers
- Merchant services through Clover
- Business credit & debit cards
All designed to help you manage funds efficiently while scaling with confidence.
Merchant ServicesMerchant Services Solutions
CCU has partnered with Clover to provide Merchant Services Solutions. Clover offers a wide array of merchant solutions to fit your business's needs and budget. Talk with a CCU representative for more information.
Let’s Build a Smarter Treasury Strategy — Together
Whether you’re optimizing cash flow, strengthening fraud protection, or scaling operations, Consumers Credit Union is ready to support you with expertise, technology, and genuine relationships.
- Connect with our Treasury Management Team
- Email us to start the conversation
- Illinois & Wisconsin-based service with local decision-making
Consumers Credit Union — The People In Your Corner®.
Must be doing business in Illinois or Wisconsin and accounts must be opened in person at one of our many branches. Business accounts can only be opened if at least one of the owners/signers is a current CCU member.
Relationship-First Treasury ManagementConnect with our Treasury Management Experts.
Why Consumers Credit Union Treasury Management?
Local relationship managers | Integrated digital platform | Fraud protection focus | Scalable solutions as you grow
Connect with our Treasury Management experts and discover what a true banking partnership feels like.
Related Business ProductsCommercial Loans
CCU has commercial lending options and your relationship manager will work with you to find the best solutions for your business.
Business Visa Cards
You need credit that works as hard as you do. Managing your company's finances has rewards.
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