Treasury Management

Simplify and protect account transactions for your business

Cash is the fuel that powers every business. Our Treasury Management services can help you optimize cash flow, improve your bottom line, and protect you from fraud.

×

ACH Origination puts you in the driver's seat

iQ Credit Union has a full compliment of ACH services to simplify electronic payments and money transfers.

Payments

  • Payroll and employee reimbursements

  • Convenient, quick payments to your suppliers

  • Make Federal and State Tax payments

TreasuryManagement-Payments-675x675-1

TreasuryManagement-Payments-675x675-1

Collections

  • Collect payments from vendors and customers

  • Collect rent and dues from consumers

  • Easily concentrate balances to iQ from other financial institutions

Business-Partner-Program-1

Business-Partner-Program-1

Benefits

  • Checkmark-Shield-2

    Increased Security

  • Bills-Coins

    Collect payments seamlessly

  • Give-Get-Money

    Improve cash flow

  • cut

    Cut processing fees

  • Checking

    Reduce paperwork and eliminate paper checks

  • iQ23-BrandedIcons-ContactUs_Screen

    Seamlessly connect to your financial software

Business Fraud Protection

Fraud can be an issue for any business. Get peace of mind and protect your business with iQ’s payment fraud detection. 

Check Positive Pay

We verify check details, including matching the payee name to the check you issued, and you decide on whether to pay the check.

why-iq-interior-image-3-min

why-iq-interior-image-3-min

ACH Positive Pay

We automatically alert you if there are any red flags with any ACH transactions against your account. Conveniently review and return any fraudulent or unauthorized ACH activity. 

our-story-interior-image-1-min

our-story-interior-image-1-min

Business Householding

Business owners can effortlessly manage multiple business accounts under a single online banking profile at home or using our mobile app. Enjoy seamless access to:

  • Business-ACH

    Business ACH

  • Checkmark-Shield-2

    Business Fraud Prevention

  • Checking

    Check deposit

  • Phone-Money

    Transfer between iQ accounts

  • Calculator-Form

    eDelivery statements

  • Paper-Airplane

    Wire transfers

Meet the Team

Our Team

  • Susan Flagg headshot

    Susan Flagg

    Treasury Management Officer

  • Dara Alexander headshot

    Dara Alexander

    Business Relationship Officer

  • 3x3KSP_5806iP_Brittani

    Brittani Masterman

    Business Relationship Officer

  • brittany simpson-900x900

    Brittany Simpson

    Business Relationship Officer

iQ Credit Union wants to be your partner for smarter money management. Contact our treasury management team today!

  • call_FILL0_wght400_GRAD0_opsz48
    Call Us
  • 025-login
    Email Us
  • Bank
    Visit Us In Branch

FAQ's

When will my account at iQ be debited for outgoing ACH Credits?

iQ will debit your account for outgoing ACH payments two business days prior to the settlement date.

What is the cut-off time to originate an ACH batch in Digital Banking?

Business ACH cutoff time for each business day is 2pm PST.

What is the service charge for Business ACH?

Please refer to the Business Fee Schedule at www.iqcu.com.

What type of ACH payment types are available?

Depending upon approval: ACH payroll, Consumer collections, Business payments, Business Collections.

How can I get approved for Business ACH?

Please email iQ's Treasury Management team at treasurymanagement@iqcu.com to request a consultation.

Can I upload an ACH Template from my accounting software?

Yes, you can upload a CSV formatted file as a Pass Thru in Business ACH>Templates.

What is the difference between the Scheduled tab and the History tab?

The Scheduled tab displays future-dated ACHs. The History tab displays pending batches awaiting processing by iQ or have been processed by iQ.

What is the cut-off time to review and decision checks that do not match my check issue file?

You have until 10am PST the following business day to review and decision checks.

What are the service fees for Business Fraud Prevention?

Please refer to our Service Fee schedule at iQcu.com.

What is the difference between Check Positive Pay and Reverse Positive Pay?

Check Positive Pay requires you to upload check information you have issued. iQ alerts you via Digital Banking of any checks clearing your account that do not match what you issued.

What is ACH Positive Pay?

ACH Positive Pay allows you to only pay ACH's you have authorized and return unauthorized ACH items.

What is the cutoff time to decision ACH Positive Pay items?

You have until 3pm PST the same business day to review ACH items clearing
your account.

Resources and Disclosures