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Treasury Management Services

Protect your business cash, and keep it moving.

Your business moves fast. Your money should too, and it should stay protected while it does. Community Choice has been helping Michigan businesses do exactly that since 1935.

Talk to a Treasury Specialist

More control,
less complexity

Four ways Michigan businesses protect, move, collect, and grow their money. Talk to a specialist to find the right mix.

Protect

Stop payment fraud before it hits your account. Our tools automatically detect suspicious ACH and check activity.

Pay

Send ACH payments, wires, and vendor payroll on time, without the manual back-and-forth

Get Paid

Give customers more ways to pay and get funds deposited faster with merchant services, lockbox, and remote deposit.

Optimize

Move idle cash into higher-yield accounts automatically with sweep services and cash concentration tools.

Protect

Stop a bad payment before it clears

Most business fraud starts with a check or an ACH pull you didn’t authorize. Positive Pay puts that activity in front of you first, so you approve what clears and block what doesn’t before the money moves. You stay in control of every dollar leaving your accounts.

Let’s talk business

Real People

A Michigan team with heart
in your corner

You’ll work with one person who knows your business by name. They’ll figure out what you need, set it up with you, and pick up when you call. No call centers, no starting over. That’s what member-owned looks like in practice.

Talk to a Treasury Specialist

Getting started

Treasury management questions, answered

What is treasury management, in plain terms?

It’s a set of tools that help your business manage money more efficiently—moving funds, collecting payments, preventing fraud, and ensuring your balances work as hard as possible. Think of it as the back-office financial infrastructure that keeps your business running smoothly, without the manual work.

How do these tools reduce fraud risk?

ACH Positive Pay and Check Positive Pay monitor your accounts for transactions that don’t match your authorizations. Anything suspicious gets flagged before it clears. Account Reconciliation catches discrepancies early, so small problems don’t turn into costly ones.

How does it improve cash flow?

By automating how money moves in and out of your accounts. Tools like ACH Origination and Lockbox reduce the lag between sending and receiving payments, so you spend less time waiting on funds and more time using them.

Will it save my team time?

Yes. Automating payments and deposits removes a significant amount of manual work from your team’s plate. Less time chasing checks, reconciling accounts by hand, or moving funds between accounts manually.

Do you work with cannabis-related businesses?

Yes. Community Choice Credit Union is one of the few Michigan financial institutions with dedicated expertise in cannabis-related business banking. Our treasury specialists understand the unique cash management and compliance needs of CRBs and can build a solution that fits. See Cannabis Business Services.

How do I get started?

Talk to one of our treasury specialists. They’ll learn how your business operates and recommend the right mix of tools. No jargon, no pressure, just a straight conversation about what your business needs. Membership eligibility is required.

Do I need to be a member to use these services?

Yes, membership eligibility is required. Becoming a member is straightforward, and your treasury specialist can walk you through it as part of getting started. Michigan residents and certain other groups are eligible.

Hear from happy members

  • “Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.

Request a treasury consultation

Looking for support? Reach out and one of our Treasury Management specialists will be in touch.