Growing businesses reach a point where manual check writing, spreadsheet-based payroll and daily branch visits consume hours that should go toward operations. Advia Credit Union treasury management automates the cash management processes that drain administrative time, from payroll disbursement and vendor payments through ACH origination to check fraud prevention through positive pay.
These services integrate directly with the Advia Credit Union online banking platform. Business owners and their bookkeepers initiate ACH batches, review positive pay exceptions, monitor account balances across multiple entities and generate cash position reports from a single dashboard. A dedicated treasury management specialist is assigned to each enrolled business.
Advia Credit Union treasury management covers five core functions: ACH origination for payroll and vendor payments at $25 per month plus $0.10 per transaction, positive pay check fraud prevention at $35 per month, remote deposit capture with desktop check scanners at $40 per month, automated account sweeps between checking and savings at no additional fee and cash concentration across multiple accounts at $20 per month. All services require an Advia Credit Union Business Plus Checking account. Same-day ACH processing adds $0.50 per transaction for time-sensitive payments. The U.S. Department of the Treasury publishes guidelines on ACH compliance and payment system standards that govern these services.
Treasury management is not reserved for large corporations. Any business with a payroll of five or more employees, regular vendor payments or check fraud concerns benefits from the automation and controls these services provide. Advia Credit Union designed its treasury platform for small and mid-size businesses that need enterprise-grade tools without enterprise-grade complexity or cost.
ACH origination allows businesses to send and receive electronic payments through the Automated Clearing House network. The most common use is payroll direct deposit. Instead of printing and distributing checks to employees, the business uploads a payroll file or enters payment details into the Advia Credit Union treasury platform. Funds are debited from the business checking account and credited to each employee's bank account on the scheduled pay date.
Vendor payments work the same way. Rather than mailing checks to suppliers, landlords and service providers, the business sends ACH credits that arrive in recipient accounts within one to two business days. Same-day ACH is available for payments that must settle before the standard timeline. The system supports one-time payments and recurring schedules for fixed monthly obligations like rent, insurance premiums and subscription services.
ACH origination through Advia Credit Union costs $25 per month for the base platform plus $0.10 per transaction. There are no setup fees, no per-batch fees and no minimum transaction requirements. Businesses processing more than 500 ACH transactions per month qualify for volume discounts. File uploads accept NACHA-standard formats from major payroll and accounting software including ADP, Paychex, QuickBooks and Sage.
Check fraud costs American businesses an estimated $18.7 billion annually. Positive pay eliminates the most common form by comparing every check presented for payment against a file of checks the business has actually issued. The business uploads its issued check register to the Advia Credit Union platform after each check run. When a check arrives at the credit union for clearing, the system compares the check number, dollar amount and payee name against the register.
If all three fields match, the check clears automatically. If any field does not match, the system flags the item as an exception. The business receives a notification through online banking and email, reviews the exception item with an image of the physical check and decides whether to pay or return it. Exception decisions must be submitted by 2:00 PM Eastern on the business day the item is presented. Items not decisioned by the cutoff are returned by default, providing an additional layer of protection.
Positive pay costs $35 per month with no per-item fee for matched checks. Exception items carry no additional charge. The service is particularly valuable for businesses that issue checks to a wide range of payees, including construction companies paying subcontractors, property management firms disbursing to vendors and nonprofits distributing grants.
Remote deposit capture lets businesses deposit checks without visiting a branch. Advia Credit Union provides a certified desktop check scanner that connects to a workstation via USB. The operator feeds checks into the scanner, which captures front and back images, reads the MICR line and transmits the deposit data to the credit union through an encrypted connection.
Processing limits are higher than mobile deposit. Desktop RDC supports deposits up to $100,000 per day and $500,000 per rolling 30-day period. Checks scanned before the 4:00 PM Eastern cutoff receive provisional credit on the same business day. Final credit posts within one to two business days depending on the paying institution.
The service costs $40 per month, which includes the scanner lease, software license and unlimited deposits. Businesses that purchase the scanner outright pay $20 per month for the software and service. RDC is available to Business Plus Checking holders and integrates with the same online banking dashboard used for ACH origination and positive pay.
Automated sweeps move excess funds from the business checking account into a higher-yielding business money market or savings account at the end of each business day. The business sets a target balance for the checking account. Any amount above that threshold sweeps into savings overnight. If the checking balance drops below the target, funds sweep back automatically the next morning.
This mechanism ensures operating cash earns dividends when idle without requiring manual transfers. A business that maintains an average excess balance of $30,000 in checking could earn over $500 annually by sweeping those funds into a business money market account at current rates. There is no additional fee for the sweep service beyond the standard account fees.
Zero-balance accounts allow businesses with multiple departments or locations to maintain separate sub-accounts that fund from a single master account. Each sub-account starts the day at zero, funds incoming as transactions clear and sweeps back to the master account at day's end. This structure simplifies cash allocation and departmental expense tracking.
The treasury management dashboard consolidates balance and transaction data across all of a business's Advia Credit Union accounts into a single view. The daily cash position report shows opening balances, pending ACH debits and credits, check clearings, wire transfers and projected closing balances. Intraday balance updates refresh every 15 minutes during business hours.
Historical reporting allows businesses to analyze cash flow patterns over 30, 60, 90 or 365-day windows. Reports export in CSV and PDF formats for integration with accounting systems. Multi-entity businesses can view consolidated positions across all related entities or drill into individual entity accounts. The IRS provides guidance on cash-basis versus accrual-basis accounting methods that affect how treasury reporting aligns with tax preparation.
Service descriptions, pricing and availability for each treasury management feature.
| Service | Description | Pricing | Availability |
|---|---|---|---|
| ACH Origination | Payroll direct deposit, vendor payments, recurring and one-time ACH credits and debits | $25/month + $0.10/transaction | Business Plus Checking required |
| Same-Day ACH | Accelerated settlement for time-sensitive payments processed before 10:00 AM Eastern | $0.50/transaction add-on | ACH Origination subscribers |
| Positive Pay | Automated check fraud detection comparing presented checks against issued check register | $35/month, no per-item fee | Business Plus Checking required |
| Remote Deposit Capture (Desktop) | High-volume check scanning with same-day provisional credit, up to $100,000/day | $40/month (scanner included) or $20/month (scanner purchased) | Business Plus Checking required |
| Automated Sweeps | End-of-day transfer of excess checking funds to savings or money market for dividend earnings | No additional fee | Any business checking + savings |
| Cash Concentration | Consolidate balances from multiple accounts or entities into a master operating account | $20/month | Multi-account business members |
| Zero-Balance Accounts | Sub-accounts that fund from a master account daily for departmental expense tracking | $10/month per sub-account | Business Plus Checking required |
| Cash Position Reporting | Consolidated daily balance reports with intraday updates and historical cash flow analysis | Included with any treasury service | All treasury management clients |
Pricing effective as of publication and subject to change. Volume discounts available for ACH origination above 500 transactions per month. Call (844) 238-4228 for a customized treasury management proposal.
Advia Credit Union treasury management includes ACH origination for payroll and vendor payments, positive pay check fraud prevention, remote deposit capture with desktop scanners, automated account sweeps, cash concentration for multi-entity businesses, zero-balance sub-accounts and daily cash position reporting. Services require a Business Plus Checking account and are managed through the online banking platform.
Positive pay compares each check presented against a register of checks your business has issued. When the check number, amount or payee does not match, the system flags it as an exception. You review the exception through online banking and decide to pay or return the item by 2:00 PM Eastern. Unresolved exceptions are returned by default. The service costs $35 per month with no per-item fees.
ACH origination costs $25 per month plus $0.10 per transaction. Same-day ACH adds $0.50 per transaction for payments that need to settle before the standard one-to-two business day window. There is no setup fee, no per-batch fee and no minimum transaction count. Volume pricing is available for businesses processing more than 500 ACH entries monthly. Contact (844) 238-4228 for details.
Treasury management is available to any Advia Credit Union business member holding a Business Plus Checking account with a $2,500 average daily balance. Sole proprietors, LLCs, corporations, nonprofits and government entities all qualify. A treasury specialist evaluates each business's payment volumes, check exposure and cash flow patterns to recommend the appropriate service configuration.
Additional business banking products that work alongside treasury management.
Business Plus Checking is the foundation account for all treasury management services.
Sweep excess checking balances into savings and money market accounts to earn dividends automatically.
Card payment processing with next-day funding that deposits directly into your treasury-managed account.
Commercial lending for real estate, equipment and working capital at competitive credit union rates.
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