Your business is just as important to us as it is to you.
- Apex Checking: All the money management tools you need, but no monthly fee
- Apex Plus: Earnings credits are used to offset monthly transaction fees
- Business Mastercard® Debit: Pay for day-to-day business needs right out of the business account and keep a closer eye on expenditures.
- Online business banking: Get real-time account balances, monitor key transactions and move money seamlessly between accounts.
- Online business Bill Pay: Schedule recurring payments and settle those one-time invoices without spending money on postage or check processing.
- Mobile banking: Our free app lets you tap into your account and make payments, transfer funds and deposit checks anytime of day from anywhere your workday takes you.
Treasury Management Solutions
- Payroll: We handle employee compensation quickly and accurately, relieving your accounting department of this time-consuming important task.
- Merchant Services: Specially tailored hardware and software allows you to accept all kinds of credit and debit cards, plus collect important data that can be used for inventory control and marketing efforts.
- Wire: Send funds anywhere in the world quickly and securely to pay suppliers, make key investments or seal business deals.
- ACH: Making and receiving payments electronically reduces your staff's workload, shrinks postage costs and cuts down on missed deadlines and late fees.
- Remote Deposit Capture: A secure scanning system allows your staff to deposit incoming checks straight from the workplace, eliminating daily trips to the credit union with the day's deposits.
- Lock Box: Direct your customers and business partners to send payments to a special post office box. United Bay will arrange for pickup and delivery to the credit union, expediting deposits and enhancing your cash flow.
- Positive Pay: Fight check fraud by sending us a computer file with details of all outgoing checks. When the checks are submitted for payment, we'll check them against the list to make sure they aren't forged or altered.
- ACH Blocks & Filters: Similar to Positive Pay, we can screen attempts to withdraw funds from your operating account and allow only authorized payments.
Money Manager Accounts (MMA)
Published rates are subject to change at any time without prior notice. Dividends are compounded daily and credited monthly. Fees, if any, may reduce earnings. See our Business Fee Schedule. Other terms and conditions may apply. The daily balance is used to determine the applicable rate.
Earned Rate Method
Published rates are subject to change at any time without prior notice. Dividends are compounded daily and credited monthly. Fees, if any, may reduce earnings. See our Business Fee Schedule. Other terms and conditions may apply. The daily balance is used to determine the applicable rate. Money Manager Minimum balance of less than $10,000