Chase fewer checks, in just a few clicks
Collect and send secure electronic payments — one time or on a recurring schedule.
Move money without moving paper
ACH Services replace manual check handling on both sides of your business — the payments you collect and the payments you send — with secure, scheduled electronic transfers, while helping improve cash flow, reduce manual processes, and strengthen payment controls.
Automate payments
Collect or send one-time and recurring payments electronically, with less manual work.
Flexible setup
Upload NACHA files from your accounting system, or use saved templates to move faster.
Built-in security
Protect transactions with dual approvals, user permissions, and advanced authentication.
The two sides of ACH
Accelerate collections and improve cash flow with ACH services that let your business pull payments directly from your customers’ accounts, so you stop waiting on checks. It suits invoices, subscriptions, membership dues, and any ongoing billing — one-time or recurring, with dual approvals and user controls on every batch.
Replace manual payment processes with secure ACH disbursements that replace the checks you write with electronic payments straight to your recipients’ accounts. Use it for payroll, vendor payments, HSA contributions, and more — scheduled ahead or set to recur — and cut the cost of printing, signing, and mailing checks entirely.
Learn more about payment solutions
Why businesses choose ACH Services
ACH Services help businesses reduce operational costs, improve cash flow management, and create more efficient payment processes without adding complexity.
Improve Cash Flow
Receive payments faster and create greater predictability around incoming funds.
Reduce Operating Costs
Minimize expenses associated with paper checks, printing, postage, and manual processing.
Automate Recurring Transactions
Schedule collections and payments in advance to streamline day-to-day operations.
Built-In Security Controls
Protect transactions with dual approvals, user permissions, and authentication controls.
ACH Services FAQs
ACH Collection allows your business to electronically pull payments from your customers’ bank accounts.
Funds are transferred securely through the Automated Clearing House (ACH) network, reducing the need for you to collect checks and process them manually.
Yes. ACH transactions include built-in protections like dual control approvals, user access controls, and multi-factor authentication to help reduce fraud and unauthorized activity.
We allow businesses to upload NACHA-formatted files from their accounting system, or to create and save templates within LMCU Business Plus Online Banking to simplify setup and ongoing payment processing.
To get started with ACH Collection for your business, contact our Treasury Management team.
Standard ACH Files: 5:00 p.m.
Same-Day ACH Files: 4:20 p.m.
We’d be good business partners.
Our business members love working with us, because we’re committed to helping businesses across the communities we serve grow more, do more, and create more jobs.
5-star rating for financial strength and stability1
BauerFinancial, May 2026
“LMCU has been a true financial partner: responsive, supportive, and invested in our success.”
– Scott, Chairman at Midwest Geothermal
Midwest Geothermal is an LMCU member and was not compensated for their endorsement.
