Get paid sooner, chase it less.
Cards, checks, cash, and electronic payments all come in through one place — with faster availability and a lot less manual keying.
However your customers pay you, we can take it
Card at the counter. Check in the mail. ACH debit on the first. Cash in the safe. Each one has a faster path than the one you’re probably using now.
Pull payments straight from your customers’ accounts instead of waiting on their checks. It fits invoices, subscriptions, membership dues, and any ongoing billing — one time or recurring.
Scan checks and deposit from wherever you are. Your banking day runs until 7 p.m. ET, transportation and processing costs drop, and deposit reporting gets clearer. Hold the paper checks 90 days, then shred them.
Take credit and debit cards in person, online, by phone, or on a mobile device — chip, swipe, and e-commerce included. Next-day funding, free online reporting, and a bilingual help desk come standard, with no hidden fees.
More ways to bring money in
Not every payment arrives as a file. These handle the ones that show up as a card swipe, or an envelope.
Funds Management
Getting paid is half of it. These decide what the balance earns while it sits, and what it costs you to hold.
See what came in, today.
Business Plus Online Banking puts every deposit, ACH credit, and card batch in one view. Check what posted, review returns, and set who on your team can see and do what — without calling us or logging into three different systems.
Receivables FAQs
It usually comes down to how your customers pay you.
- If you bill on a schedule, ACH Collection is the most predictable and efficient.
- If you still take in a lot of checks, Remote Deposit Capture keeps them out of the car and Lockbox takes them off your desk entirely.
- If you sell at a counter or online, Merchant Services handles cards.
Most businesses end up using two or three together. Have a conversation with a Treasury Management team member to determine the best solution for your business.
Remote Deposit Capture extends your banking day to 7 p.m. ET, so deposits made late in the day still count that day. Lockbox items are processed and deposited the same day we pick them up. ACH collections follow standard clearing timelines, with same-day ACH available in certain cases.
In most cases, yes. ACH Collection accepts NACHA-formatted files exported from your accounting system. Merchant Services supports standard point-of-sale, mobile, and e-commerce setups. Bring your current setup to the conversation and we’ll confirm the fit before anything changes.
Yes. Hold the original checks for at least 90 days. After that you can shred them, or dispose of them by another secure method.
Your business is in good company.
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 stability
BauerFinancial, May 2026
#1 for keeping more money in members’ pockets
Callahan & Associates, December 2026
“LMCU has been a true financial partner: responsive, supportive, and invested in our success.”
Scott, Chairman at Midwest Geothermal
