We enable your business to manage ACH electronic payment services directly through First Commerce Credit Union Digital Banking, so you can originate and manage transactions through the same system you use for everyday business banking needs.

Setting up electronic payments starts with a conversation between your business and the First Commerce Credit Union Business Services Team to understand your business’ needs and how you plan to use ACH services.

Let us know how you plan to use ACH, whether it’s for:

• Payroll
• Vendor payments
• Collections
• Or other purposes

We’ll take care of the rest.

First Commerce utilizes ACH Client, the premier acquisition tool for originated ACH transactions. This service features easy file setup and supports split transactions, plus it automatically stores transaction information for easy retrieval. ACH Client is customizable and can empower businesses with the freedom to pay employees with direct deposit or allow associations to auto-debit their members. The ACH Client can be configured to meet each organization’s needs while also tailoring security parameters to keep your money safe.

When you can quickly and securely process payments in person, online, and on the go, you put your business in a position to succeed. First Commerce connects you with the software, hardware, and know-how to get it done.

Merchant Services through First Commerce Credit Union sets you up to do business with anyone, anywhere. Our Business Services team will have a conversation with you to determine your payment processing needs and work with your business to integrate the right solutions.

Let First Commerce help you process point-of-sale payments quickly and securely with a variety of flexible options:

• Debit and credit card acceptance
• Contactless payments
• Gift card programs
• Wireless terminals
• Mobile payment capability
• High-speed payment terminals
• Electronic Benefits Transfer (EBT)

We partner with Elavon, a leading merchant services provider, to bring you merchant services that help you stay ahead of the competition.

• Competitive rates
• Flexible billing
• Timely, accurate reporting
• Secure technology
• Established relationships with all major credit/debit card companies and fleet card vendors

Plus, your business can enjoy our easy application process, fast approval, and always local support.

Your team is dynamic. The tools you use to manage employee expenses should be, too. First Commerce Credit Union Business Visa® Credit Cards provide convenient access and greater control for multiple employees.

You can manage card activity online, monitor cash flow, and set card controls directly through First Commerce Credit Union Digital Banking, all with no annual fee.

Plus, with a First Commerce Credit Union Business Visa® Credit Card, your team gets access to:

• Expedited card replacement
• 24/7 cardholder support and assistance
• Local service from the First Commerce team

Learn more about First Commerce’s Business Visa® Credit Card here.

Improving your business’ cashflow efficiency is simple with First Commerce Credit Union’s mobile check deposit and Remote Deposit Capture services.

Remote Deposit Capture (RDC) services make it easy to scan and deposit checks from wherever you work.

With Remote Deposit Capture, you get:

• Faster access to your funds
• Extended daily deposit deadlines (7 p.m. every business day)
• Expedited notification of returned items
• Competitively priced RDC machines
• No need to purchase, install, or maintain software
• Low monthly plan fee

We’ll even give you the first 60 days of your plan for free! First Commerce also offers businesses the ability to deposit checks on their mobile devices.

Have excess funds in your business checking account? Put them to work.

The First Commerce Credit Union Business Services team can help your business maximize its earning potential while maintaining access to the funds you need.

We'll work with you to identify your target operating balance. Any funds above that amount can be automatically swept into a Business Money Market Account, helping your excess cash earn more without requiring additional effort from your team.

Enjoy higher earnings while keeping your capital liquid and accessible.

Learn more about First Commerce Business Money Market Accounts here.

Keep your business nimble with one of the fastest ways to move money. Wire transfers provide a fast, secure, and reliable way to send funds to vendors, suppliers, and business partners.

First Commerce Credit Union offers same-day domestic and international wire transfer services to help your business make time-sensitive payments with confidence.

Whether you're paying a vendor, purchasing inventory, or managing large-dollar transactions, wire transfers provide a secure payment solution that supports efficient cash flow management.