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Community Choice/Business/Treasury Management Services

Treasury Management Services

Business banking that keeps your money safe and moving

Treasury tools that help Michigan businesses protect against fraud, manage cash flow, and get paid faster, with a real treasury team behind you.

Connect with a treasury specialist

More control,
less complexity

Built for Michigan businesses: contractors, retailers, professional services, and nonprofits.
Explore the tools, then talk to a specialist about the right mix.

Protect
Pay
Get Paid
Optimize

Made for businesses like yours

Treasury management is a set of tools that help your business protect against fraud, move money, collect payments, and put idle cash to work. If you’re spending more time managing money than running your business, that’s exactly what these tools fix. It’s a good fit for contractors, retailers, professional services firms, nonprofits, and small businesses across Michigan. Whether you need one tool or the full set, a Community Choice treasury specialist will help you figure out exactly what makes sense for your business.

Fraud stops here

These tools watch your accounts for fraudulent checks and ACH activity around the clock, so you catch problems before they cost you.

ACH Positive Pay

Real-time alerts

Reviews incoming and outgoing ACH transactions against a list you control. Anything that doesn’t match gets flagged before it hits your account.

Good For

Stopping ACH fraud

Check Positive Pay

Fraud control

Every check that comes through gets verified against the checks you issued. Altered or counterfeit checks don’t make it past the gate.

Good For

Catching altered or fake checks

Account Reconciliation Services

Less manual work

Matches your issued items against what actually clears. Catches discrepancies early so small errors don’t become big problems.

Good For

Saving your team hours

Business Courtesy Return Service

NSF alerts

Alerts you when an item is at risk of being returned for insufficient funds. You get the heads-up before it affects your account or your reputation.

Good For

Avoiding surprise returns

Move money without the busywork

Send money where it needs to go, on time, without the manual steps.

ACH Origination

Automated

Send payments to vendors, employees, or partners electronically, on your schedule. Faster than a check, more reliable than manual transfers.

Good For

Payroll and vendor runs

Wire transfers

Domestic & international

Move large amounts domestically or internationally with same-day certainty. When timing matters, wires get it there.

Good For

Large or time-sensitive payments

Integrated Payables

One workflow

Consolidate all your outgoing payments into one streamlined process. Fewer steps, less back-and-forth, and a cleaner paper trail.

Good For

Simplifying AP

Get paid faster, with less chasing

Give customers more ways to pay, and get those funds in the door sooner.

Evolv Merchant Services*

Card, online & mobile

Accept credit and debit cards in person, online, or on the go. Flexible equipment options, transparent pricing, and reporting you can actually read.

Good For

More ways to get paid

Lockbox services

Faster posting

We receive and process your check payments directly, so they post to your account faster, and you spend less time handling paper.

Good For

High check volume

Business e-Deposit

From your desk

Deposit checks from your office without a trip to a Member Center. Scan, submit, done.

Good For

Banking wherever you are

Armored car & cash vault

Secure cash handling

For businesses that handle significant cash, we coordinate secure pickup and deposit so your team isn’t moving money manually.

Good For

Cash-heavy businesses

*Evolv Merchant Services are not available for cannabis-related businesses. If that’s you, please visit our Cannabis Related Businesses page!

Make every dollar count

Your balances are doing something whether you manage them or not. These tools make sure they’re working for you.

Account Analysis

See your costs

Get a clear picture of what your accounts are earning and what you’re paying in fees. Use that information to structure your banking more efficiently.

Good For

Cost control

Cash Concentration

Funds in one place

Pull balances from multiple accounts into one central account automatically. Easier to manage, easier to invest, and less cash sitting idle in the wrong place.

Good For

Multi-location operations

Commercial Deposit Solutions

Tailored

Flexible deposit structures designed around how your business actually operates. Your treasury specialist will help you find the right fit.

Good For

Custom setups

Big bank tools. All Michigan heart.

Your treasury specialist knows your name. Knows your industry. Picks up the phone. That’s what member-owned looks like in practice.

Local decisions
Your specialist is based in Michigan, not a call center. Questions get answered by someone who actually knows your account.

Real treasury expertise
Our specialists work with businesses across Michigan: contractors, retailers, professional services, and more.

Member-owned since 1935
We answer to our members, not shareholders. That keeps our focus exactly where it should be—on your business. Federally insured by NCUA.

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

  • “I have started a new business banking relationship with CCCU. I am very impressed with how the team members are so helpful and accommodating. Appreciate that very much. Great team! I look forward to a very successful banking relationship with CCCU. Thank you.” Ken R.
  • “It was a wonderful experience, I felt welcome, and they gave a lot of insight about how Community Choice can help me and help my business grow. They went above and beyond. I really appreciate them!” Kef M.
  • “I can’t say enough about my fantastic experience with Community Choice Credit Union, especially my collaboration with Donna Bashi. Donna’s unwavering availability, exceptional responsiveness, and personable approach make my clients feel at ease and well taken care of. The outstanding service provided by Community Choice Credit Union has not only simplified my work but also given my clients peace of mind about their finances. I wholeheartedly recommend Community Choice Credit Union to every new client, knowing they’ll receive unparalleled service and support. Working with Donna and this credit union has been a game-changer for my business and my clients’ financial well-being.” Charlene R., CPA

Let’s talk better
business management

Tell us how your business runs. We’ll handle the rest. Membership eligibility is required.