Treasury Services

With our ACH Origination Services, you can manage payables and streamline collections with ease.

Our Automated Clearing House (ACH) services can move your money without paper checks, credit card networks or cash—and our same-day ACH makes payments faster than ever.

There are multiple benefits to utilizing ACH:

• Direct deposits: Allow your employees to access their funds faster and without the hassle or expense of cashing checks — while you save time and money on issuing checks.
• Payroll cards: With the Money Network Electronic Payroll Delivery Service, we can help you achieve 100% electronic payment of wages, optimize payroll processes and reduce administration costs.
• Speed: Electronic ACH transactions allow faster processing times, so your transactions, including direct deposits and direct payments, will process quickly with the following and same-day settlement.
• Lower costs: ACH transactions can be more cost-effective than accepting credit cards or checks.
• Security: With ACH transactions, fewer individuals can access personal or financial information, so your security is greater.
• Convenience: No more check writing or paper invoices; you are free to focus on your business.

Reduce fraud risks and simplify budget management with Zero Balance Accounts.

Zero Balance Accounts (ZBAs) link to your main business account to receive disbursements for the exact amount needed to cover the day's transactions, returning to a $0 balance at the end of each business day.

Zero Balance Accounts:

• Streamline operating accounts and maintain separate accounts for payroll, vendor payments, departmental expenses and operating expenses.
• Maximize balances in main operating accounts to keep cash working for your business.
• Help reduce overdrafts by making the right amount available for each transaction.
• Save time through automated account service.
• Limit access to main operating account funds to reduce the chance of fraud.

Our Positive Pay tools are designed to elevate your security and protect your business against fraud.

Check Positive Pay matches the specific criteria of each check presented for payment against a list of previously authorized checks submitted into the Positive Pay system by your business.

ACH Positive Pay screens all ACH activity to identify unauthorized transactions. You have the power to review and make payment decisions for transactions that do not meet your criteria.

Reach your business growth goals with Merchant Services by Clover.

Many businesses are looking for ways to increase sales, deepen customer relationships and drive repeat business. Meritrust has partnered with Clover®, a global leader in payments processing, to provide a variety of business solutions that can be tailored to your business needs.