Business Services

Send and Receive Electronic Funds with ACH

Provide businesses with fast, reliable, and secure methods for sending and receiving electronic funds. Together, they form the backbone of modern payment operations, supporting everything from routine vendor payments to time‑sensitive financial transactions.

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Accept Card Payments with Merchant Services

Accept all major credit cards, debit cards, and gift cards anytime anywhere with funds deposited to your account within 48 hours.  Whether its card machines, online options, or full POS systems, and pricing plan tailored to your specific business.

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Positive Pay Video

Protect with Positive Pay

Running a business takes focus. Do not let unauthorized withdrawals distract you. Beacon Credit Union offers two Check Positive Pay options, Standard Positive Pay and Reverse Positive Pay, along with ACH Positive Pay for electronic transactions. Together, they add a strong layer of protection against fraud.

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  • ACH Positive Pay – Business users can create an ACH authorization list of companies and individuals allowed to debit the business’s account, along with expected amounts and frequency.

  • Standard Positive Pay – Business users provide an issued check file listing the check number, amount, payee, and date for every check the business writes. Each check is matched against that list. If it matches, the check is paid. If it does not, it is flagged for review.

  • Reverse Positive Pay – Beacon Credit Union sends a daily list of checks presented against a business user’s account. The business user then reviews the list and decide which payments to approve or reject.

Streamline Domestic Payments with Wire Transfers

Wire Transfer services offer a convenient, secure electronic payment solution that provides an effective, reliable and streamlined way to send domestic payments.

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Automized Business Checking with Business Sweep

Business sweep automatically takes excess funds from your business checking and moves them into an account that pays interest, or applies them to your line of credit to reduce interest.  Maximize returns, minimize borrowing costs, and zero extra effort.

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Meet Needs with Business Loans

Looking into funding for your business and not sure where to start? Beacon Credit Union offers options to meet your business financial needs.

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Ensure Security with Smart Safe Services

Make cash deposits from your location while ensuring accountability and security.  Smart Safe is like a deposit only ATM installed at your location that counts and records cash deposited, provides provisional credit to your account, and secured until it is picked up by an armored service.  Smart Safe is perfect for cash-based businesses, including quick-service restaurants, grocery and convenience stores, and gas stations among others.

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