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Illustration of money being managed
Illustration of money being managed
Illustration of money being managed

Optimize your cash flow.

STCU's cash management services are the perfect solution for optimizing cash flow and streamlining operations.

ACH services.

Basic ACH.

Best option for most small businesses, Basic ACH has no setup charges or monthly service charges unless used with Analyzed Checking.Collect payments from customers and vendors — and pay employees and other recurring bills — quickly and safely from your online banking account. Use direct deposit for payroll, saving money and boosting employee satisfaction. Same-day payments allowed for a minimal fee.*

Premium ACH.

Best option for larger businesses or those managing a large number of transactions. Enjoy all the benefits of basic ACH, plus the added advantage of multiple payment and collection templates, detailed and downloadable reporting, and no limits on employee count. No setup charge and your $35 monthly service charge is waived when your combined deposit accounts average balance is kept above $25,000.

    Remote deposit.

    With a desktop scanner and secure internet connection, you can deposit checks on your schedule without having to leave the office. Save time, scan and save check images for easy reporting, and improve cash flow and access to funds — all with no monthly fee.

    Contact the Cash Management team today at (509) 344-2200 to get set up with your scanner.

    Merchant services.

    Increase your sales, get paid faster, and capture customer data with STCU merchant services. With our reliable, easy-to-use devices at your business, you'll provide customers the freedom to pay the way they want — in-store, online, or on the go with their credit card, gift card, check, or digital wallets, including Apple Pay ®, Google Pay TM, Samsung Pay ®, and more.

    STCU merchant services provides your business with 24/7 merchant support, a free savings assessment, advanced fraud prevention, and real-time analysis of customer data to make your point-of-sale transactions smarter and more efficient.

    Learn more about merchant services


    Move excess funds automatically each business day from primary checking to money market and/or loan accounts to maximize your earned dividends or to reduce interest expense. Funds can also move back into your checking account, as needed, to avoid service fees and to protect your account from overdrafts.

    Federal tax payments.

    Make deadlines and improve efficiency by enrolling in the free Electronic Federal Tax Payment System.  Visit the EFTPS website to enroll with your employer identification number (EIN), your STCU account number, and the STCU Routing Transit Number — 325182700.

    Get in touch.

    Contact our business team.
    Meet the team.

    Call us.
    (509) 344-2200 WA
    (208) 619-4001 ID
    (877) 304-7185 Toll-free

    Visit in person.
    Drop by any branch. For larger loans, visit the seventh floor of the Hutton Building.


    *$5 per file service charge. See the full business fee schedule.

    1Basic ACH incurs a $15 monthly service charge when used with Analyzed checking. Charge may be offset by earned credits.