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Business Cash Management

Simplify Your Cash Flow.

Move money faster and reduce manual tasks. ACH, wire transfers, merchant services, and digital banking—all the tools your business needs.
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Cash Management Built for Growth

3Rivers cash management tools help your business move money securely and efficiently. From ACH and remote deposit to card payments, fraud prevention, and sweep accounts, our integrated solutions streamline daily operations and support growth—backed by local expertise and personalized service. Questions regarding your cash management needs? Let's talk! 

Tools That Work Together

Cash Management Solutions

Integrate these services to streamline operations, reduce costs, and maintain tighter control over business finances daily.
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Positive Pay

  • Prevent check and ACH fraud with verification 
  • Check Positive Pay and ACH Positive Pay services 
  • Reduces risk of unauthorized transactions 
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ACH Origination

  • Send and receive electronic payments securely 
  • Automate payroll, vendor payments, and collections 
  • Detailed tracking for every transaction 
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Digital Banking

  • Real-time account visibility across all accounts 
  • Transfer funds, initiate ACH, and send wires online 
  • 24/7 mobile and desktop access 
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Merchant Services

  • Accept debit and credit payments (Mastercard®) 
  • Website, mobile, and terminal options available 
  • Competitive rates through local PPC partnership 
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Remote Deposit

  • Scan and deposit checks from your office 
  • Improved cash flow with faster deposits 
  • Desktop scanner with web-based technology 
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Wire Transfers

  • Send funds domestically and internationally 
  • Access through online banking anytime 
  • Fast, secure payment processing 
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Business Credit Cards

  • 3Rivers Mastercard® Business Credit Card 
  • Earns cash back rewards 
  • Control spending and purchasing limits 
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Business Sweep Accounts

  • Automatic sweep between line of credit and deposit accounts 
  • Reduce interest and maximize dividends 
  • Flexible working capital management 
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The Community Credit Union Advantage

Why Business Leaders Choose 3Rivers

Since 1935, we've empowered businesses to thrive through personalized service, integrated solutions, and local decision-making.

Community-Focused Banking

Local decision-making by business bankers who understand your market—not distant corporate policies.

Integrated Technology

All cash management tools work seamlessly together to enhance the member experience.

Member-Owned Structure

Profits reinvest into better products and service—your interests come before shareholder returns.

Personalized Support

Work with the same business banking team that knows your account, your business, and your needs.

Trusted Since 1935

Over 90 years of helping Northeast Indiana and Ohio businesses succeed with reliable banking.

NCUA Federally Insured

Business deposits protected up to $250,000 per business by the National Credit Union Admin.
Maximize Your Business Banking

More Business Solutions

Combine cash management with business checking and lending to unlock greater financial flexibility. Our integrated suite of business products helps you streamline operations, manage working capital, and scale confidently.
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Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

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