Products & Services

Union Bank’s Treasury Management team is dedicated to serving businesses of all sizes. We take the time to understand you and your business so that we can offer the best solutions to meet your unique needs. Our experienced professionals offer tailored solutions to maximize efficiency, improve cash flow, protect against fraud and enhance internal controls.

Automated Clearing House (ACH)

Automated Clearing House (ACH) payments through Union Bank’s business banking platform allow businesses to make
electronic payments quickly and efficiently for a wide range of purposes.

More about Automated Clearing House

Positive Pay

Kick fraud attempts back where they came from with ACH Positive Pay and Check Positive Pay defenses.

More about Positive Pay

SmartPay Express Payment Portal (SPE)

SmartPay Express (SPE) makes it easier for people to pay you, reduces billing expenses and streamlines recordkeeping.

More about SPE

Remote Deposit Services

Bank on your business’s schedule. Deposit checks for your business anytime, anywhere.

More about Remote Deposit Services

Wire Transfer Services

Transfer funds immediately for both domestic and international payments. Initiating wire payments through Union Bank’s business banking platform provides a secure and convenient platform to send funds immediately through the SWIFT network.

More About Wire Transfer Services

Automated Clearing House (ACH) payments through Union
Bank’s business banking platform allow businesses to make electronic payments quickly and efficiently for a wide range of purposes. Experience the ease of ACH transactions through quick, one-time payment initiation, saved templates and effortless ACH file uploads. Moreover, ACH offers enhanced risk management with features like payment approvals, comprehensive ACH history reporting and secure masking of account information, ensuring smooth and secure financial
operations.

Common Uses of ACH Payments:

Direct Deposit for payroll
Expense reimbursement
Consumer collections and payments
Vendor payments
Federal and State Tax payments
Cash concentration
Same day payroll, reimbursements and emergency
payments

Kick fraud attempts back where they came from with ACH
Positive Pay defenses. Harness the power of a complete
product suite focused on Positive Pay, with ACH protections and reporting. Your team can verify payments, handle exceptions, track activity and generate reports—all while receiving timely notifications. Positive Pay saves time, money and protects your business from fraud.

Stop fraudulent checks before they clear. Checks remain the preferred method of payment for businesses, which also makes them the leading method of payment fraud. Check Positive Pay allows customers to monitor checks clearing daily and return fraudulent items conveniently through Union Bank’s business banking platform.

SmartPay Express (SPE) makes it easier for people to pay you, reduces billing expenses and streamlines recordkeeping.

SPE sets up a link with a unique URL on your website that can be customized to fit your business brand. Through this link, your customers, members, residents or tenants can make a single payment or donation or set up reoccurring payments using a debit card, credit card, checking account or savings account.

SPE gives your business, municipality or organization the
ability to charge your customer, resident or member for the credit or debit card fee.

Remote Deposit Capture is a safe, easy and secure way to
deposit checks right from your business, avoiding the race
to Union Bank to make deposits. Plus, checks will be in your account sooner, which means better cash flow.

MRDC for Business lets you deposit checks directly from a
mobile device or smartphone—no matter where you are.
That versatility improves your cash flow and saves you money and fuel getting to and from the bank. It also lets you and your employees stay focused on your business, whenever and wherever it happens.