Treasury Management

You're always looking for better ways to do business, and these money management solutions can fit seamlessly into your company. With Indiana Members Credit Union's Treasury Management services, you have access to tools designed to improve efficiency and reduce manual processes. 

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Our treasury services primarily support business owners in Central and Southern Indiana. 


From wire transfers and ACH payments to managing payroll and fighting fraud, you can access a full suite of services aligned with your business needs. Our business management and reporting tools help you stay on top of your accounts and payment processes, providing valuable insights you can access anytime. 


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Gain more efficiency and maintain control over your business finances. 

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Easily transfer money with wire and ACH services.
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Reduce fraud losses through Check and ACH Positive Pay.
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Help accelerate collections through Remote Deposit Capture and Lockbox with a late cutoff.
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Take fewer manual steps through templates, alerts, and role‑based permissions.1


ACH Origination
 
Improve your cash flow by using electronic payments to cut expenses and spend less time processing outgoing and incoming checks.2
 
  • Take advantage of streamlined payroll processing.
  • Ensure on-time digital payments to vendors and business partners.
  • Receive funds into your account faster by streamlining the receivables process.
  • Establish permissions based on your team's various roles. 


Wire Transfer 
 
Securely send money across town or around the world. You can set up domestic wire transfers through our secure online banking platform.3
 
  • Route incoming wires directly to your operating account.
  • Configure approvals to ensure proper levels of payment authorization.
  • International wires options are available. 
 


Positive Pay
 
Forged and altered business checks and fraudulent ACH transactions can cut into your profits and cause damage. With Positive Pay, you can set up a barrier to protect your business accounts. Here's how it works:
 
  • Your business will send us a check file with check numbers, issue dates, payees, and dollar amounts.
  • Presented checks and ACH transactions are automatically compared against your issued file. 
  • If we notice any discrepancies, we'll contact your business electronically.
  • Your team will have the option of paying or returning payment.4
 


Remote Deposit Capture

Your team can simplify the deposit process and save time each day. Deposit incoming checks conveniently at the office or on a mobile device.5
 
  • Multiple scanner options available based on your business needs.
  • Use digital banking to send checks singularly or in batches 24 hours a day.
  • Quickly generate reports summarizing the day's deposits.
 


Merchant Services
 
Upgrade your business systems to accept a variety of payment forms. Our merchant processing services, through our partnership with BancCard6, help you handle most debit and credit cards, as well as digital payments.
 
  • Customized solutions for various business types.
  • Competitive pricing for point-of-sale and mobile systems.
  • Faster settlement to your IMCU account improves cash flow.
 


Lockbox

Streamline your cash management by sending large volumes of checks to a secure post office box, and we'll handle your processing needs securely. 
 
  • Cut down on staff time spent on payment processing.
  • Faster settlements into your account.
  • Reduce risk of lost checks and accounting errors.
 


Business Bill Pay
 
Managing your company’s invoices online can help improve speed and security. And it's easier to stay organized when you get a full view of all your upcoming payments and recent activity within Online Banking. 
 
  • Manage bills and federal tax remittance electronically.7
  • Track payment history.
  • Set one-time or recurring payments.
  • Receive reminders for upcoming payments.



























































contractors working on a site

Secure customized financing for your company's next project. 


Our commercial lending solutions are delivered by local experts who know the Central and Southern Indiana marketplaces. When you work with the commercial lending team at IMCU, you're backed by professionals invested in your company's success.8
1Availability varies by service. 

2ACH origination is subject to credit approval, exposure or dollar limits, NACHA rules, and cutoff times. Fees apply. See IMCU's fee disclosure for details. 

3Wire services subject to enrollment, dollar limits, verification, cutoff times, correspondent/beneficiary bank fees, and exchange rates for international wires. 

4Timely decisioning of exceptions by the member is required for Positive Pay. Failure to respond may result in return or payment per your settings.

5Encrypted scanners/software required; check retention, endorsement, and destruction timelines apply. Deposits are subject to verification and funds availability policies; limits and cutoff times apply.

6Merchant Services are provided by BancCard, a third party provider. Account approval, underwriting, and provider terms & fees apply. IMCU is not responsible for third party system performance.

7Payment delivery options (electronic vs. check) vary by payee; delivery dates are estimates and not guarantees. Some payees may require additional enrollment; tax payments may require separate registration and cutoff times.

8Subject to credit approval.