Business Services


Merchant Services

VSECU always seeks to serve the best interests of our members and we understand that payment processing using credit and debit cards is a critical part of your business. With that in mind, we are pleased to partner with Heartland Payment Systems to provide the highest level of local service with fair, fully disclosed pricing and to provide a solution to your concerns when it comes to payment processing.

FEATURES

DEPOSITS

Deposits to your VSECU business checking accounts can happen as fast as the next business day, which means you have access to your money when you need it.

MOBILE PAYMENTS

With technology changing the face of commerce, it’s more important than ever for businesses to accept electronic payments. VBiz mobile payments let your business move at the speed it needs to.

FAST PROCESSING

Unlike other mobile payment solutions that hold funds up to 30 days for various reasons, we fund our merchants the same as if they are processing transactions in their store – so you’ll be funded faster.

CUSTOMER CARE

Heartland’s Service Center is US based which means, Heartland customers will speak to a real person on the phone right away who will not hang up until your question or problem is resolved.

CONVENIENT

Provides a great convenience to your customers.

TURN-KEY

Turn-key options for retail and internet sales.

AUTO DEPOSIT

Funds auto deposit to business checking account.

SUPPORT

Competitive rates with 24-hour phone support.

SERVICES

Heartland Secure Can Protect Your Business


Heartland Secure is a secure credit card processing method backed by the most comprehensive merchant warranty in the industry.

Interchange Plus Pricing and Rate Guarantee


You will know the true cost of every card that comes through your business – all rates and fees are clearly identified on an easy to read statement. Rates are guaranteed. No teasers, no hidden fees, no middlemen and no surprises.

Point of Sale Systems


Your business is unique, so we offer customized and comprehensive systems designed to grow as your company does. With Heartland, your POS allows you to integrate with many other applications such as payroll and marketing programs.

Local, Personal Consultation


A locally based Relationship Manager will meet with you to learn about your business and present a solution tailored to meet your needs. By working together, we are pleased to offer you the same personal and professional service you currently enjoy from VSECU.

Gift and Loyalty Programs


With our fully customizable gift card and rewards/loyalty programs, you can increase the amount of customers you’re bringing in, while reducing the amount of payment fees going out.

APPLY NOW

For more information on how VSECU and Heartland Payment Services can help your business please contact our VBiz Department
at 800/802 371-5162 or email us at VBizMail@vsecu.com.


Automated Clearing House Processing Services

At VSECU, we know that running a small business is time consuming. That’s why we offer our Vermont small business members Automated Clearing House (ACH) processing services. Our VBiz team can help you eliminate pay-day stress by establishing ACH processes to directly deposit your employees’ payroll into their pre-designated accounts; even if they are not VSECU members. You can also use this functionality to set up recurring distributions you may have for your own bills. Details of our ACH processing services include:

DIRECT DEPOSIT

Direct deposit simplifies payday for you and your employees.

REDUCES CHECKS

Electronic processing reduces paperwork making it easier to manage.

RECURRING PAYMENTS

Set up recurring disbursement transactions to simplify the process.

MULTIPLE ACCOUNTS

Pay employees at different accounts or institutions, giving you flexibility.

By setting up ACH Processing, you not only reduce the number of checks your business uses, but you can also offer a more convenient service to your employees. Spend less time on the details and more time running your business. Contact VSECU about establishing ACH Processing services today.


Business Debit Card

Sick of carrying your business’ checkbook with you everywhere? VSECU is here to help. Our Business Debit Card provides access to your Business Checking accounts anywhere a Visa® debit card is used. ATM access allows you to withdraw cash, check your balance, or transfer funds almost anywhere. Individual cards are available for signers on the accounts. Details of our Business Debit Card include:

FREE WITHDRAWALS

Withdraw funds directly from your savings or checking accounts free of charge.

DEBIT CARD

Make POS purchases wherever the Visa logo is displayed.

AUTO BILL PAY

Save time by paying bills automatically.

INSTANT TRANSFER

Check your balance or transfer funds between accounts instantly online.

SAFETY

Protect your money by reducing your use of cash.

TRACK SPENDING

Track where your money is spent to keep your budget on track.

ACCOUNT PROTECTION

Card Alerts allows you to receive text or email notifications when your card is used.

Simplify your business’s finances by contacting us today and see what a Business Checking account from VSECU could do for you. You can apply for all of our VBiz services at any branch location.


Coin Counting

Our commercial sized coin counting machines can sort and count all your change in minutes saving you the time and hassle of rolling all the loose change your business receives on a daily basis. Please be sure to remove any foreign objects from the change (i.e. pocket lint) and be sure the change is clean and in good condition. Details of our coin counting service include:

FAST & EASY

Fast, easy, and convenient. Just what all businesses need.

MANY LOCATIONS

Coin counters are in our Berlin, Williston, & Rutland branches.

LOW FEES

Fee is only 5% of the value of the change you have counted.

U.S. CURRENCY

U.S. currency only- for foreign currency please see our staff.

Just another service offered by VSECU to help you simplify your business finances. Contact us today to see what else VSECU can do for your business!


Night Deposit Box

VBiz offers many services to make your business grow and prosper as well as save you time and money. Whether you are a small seasonal business or a large nonprofit organization our services will benefit you.

LATE BUSINESSES

Great for businesses that reconcile later in the day.

SAFE & SECURE

Keep your cash safe and secure.


Online Business Banking

BALANCE REPORTING

With your free online access we can deliver financial information and transaction capability to your business via the internet. You can customize multi-user access and download transactions to QuickBooks, Quicken, Microsoft Money or Excel.

ACH ORIGINATION

Make direct deposits of payroll for your employees, pay recurring debits or disbursement transactions and state and federal tax payments accurately and securely. This will save you time and the expense of writing additional checks.

WIRE INITIATION

Send guaranteed funds directly to a vendor’s account at another financial institution quickly and efficiently by generating your own wire order online. This option includes comprehensive audit trails for good record keeping.

CREDIT CARD ONLINE

Track credit card purchases and payments, both quickly and conveniently! If you have a VBiz credit card you can view your current balance information, make payments online and more. Safe and secure!

BILL PAY ONLINE

Paying your bills online saves you time, hassle and those drives to the post office! Once enrolled, you pay your bills directly from your business checking account. Free for qualified business members.

eSTATEMENTS

Your monthly statement is available within days of the closing cycle date. Twelve months of statements are stored online for your convenience. Paper statements are available for an additional service charge.

ADDITIONAL SERVICES

At VSECU, we understand that your need to access account information doesn’t always fall under standard business hours, yours or ours. With free Online Banking access you can view account information and conduct transactions and other business any day of the week at any time of day. Let VSECU help you simplify your business’s finances, enroll in Online Business Banking today or contact us with any questions you may have.

Convenient Access to Your Account Information

Review Balances and Transaction History

Download Account Information to QuickBooks, Quicken, Microsoft Money or Excel

Multi-User, Online Access, & Additional Customization & Services Available



Online Bill Pay

VSECU Bill Pay is a fast and convenient way to pay bills- the Bill Pay service reduces stress and saves you time. There are many benefits to using Bill Pay for your business including:

SAVE MONEY

Save money on stamps and envelopes.

STREAMLINED

Reduce the clutter in your mailbox.

RECURRING PAYMENTS

Establish recurring payments for regular bills.

EASY SCHEDULING

Schedule future dated payments.



eSTATEMENTS

Receiving your business’ statements electronically is more safe & secure than paper copies, and is not only a wise choice to help protect the environment and reduce paper waste. eStatement enrollment is within the Online Banking system. Once you have enrolled in Online Banking you can sign up for eStatements by clicking Service Center > Requests > eStatement Enrollment. If you are not yet enrolled in Online Banking select the ‘enroll’ option in the upper right corner of this page. It also offers many other benefits such as:

FASTER ONLINE

Recieve your statement, inserts and messages days earlier than paper statements.

ONLINE ACCESS

Access your statements online any time of the day through Online Banking.

ELIMINATE PAPER

Print statements only when needed & have online archive of past statements.

FASTER TAXES

Recieve your tax forms at the end of the year earlier than waiting for paper forms



VSECU Membership for Your Employees

ON-SITE ENROLLMENT

We provide on-site account opening for your employees, saving them time.

MEMBER BENEFITS

Enroll your employees/staff in our Member Rewards Program for cost saving benefits on personal deposit services.

GREAT RATES

Provide great rates on mortgages, auto and personal loan rates for your employees.

DIRECT DEPOSIT

Free direct deposit through our ACH Origination module lowers costs for you and provides a direct benefit to employees.

EDUCATION

Financial Education seminars are a great way to show employees you are vested in their financial success.

LOWER COSTS

Lower payroll costs through increased direct deposit participation- easier for you and your employees.



Payroll Services

SCALABLE

Scalable, customizable payroll and HR services.

ePAYROLL ONLINE

GREAT SUPPORT

Best-in-class customer support.

3YR PRICE LOCK