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



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.


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.


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.


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.


Provides a great convenience to your customers.


Turn-key options for retail and internet sales.


Funds are auto deposited to your business checking account.


Competitive rates with 24-hour phone support.


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.


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

Payroll Services

Payroll can be complicated and time-consuming. That’s why VSECU has partnered with Heartland to provide user-friendly payroll services to make your life easier and improve the experience for your employees. With online services, great support, and tons of great features like direct deposit, online check stubs, and online W-2 forms, it’s never been easier to do it yourself.


Scalable, customizable payroll and HR services to fit your needs.


Easy, fast, secure. Online Payroll makes all this possible.


Best-in-class member support and easy access for you.


Stable, predictable, and reliable, just like your business.


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

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 simplifies payday for you and your employees.


Electronic processing reduces paperwork making it easier to manage.


Set up recurring disbursement transactions to simplify the process.


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 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:


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


Make POS purchases wherever the Visa logo is displayed.


Save time by paying bills automatically.


Check your balance or transfer funds between accounts instantly online.


Protect your money by reducing your use of cash.


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


Card Alerts allow 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.

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.


Great for businesses that reconcile later in the day.


Keep your cash safe and secure.

VSECU Membership for Your Employees


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


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


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


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


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


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

Business Digital Banking

Business Digital Banking is convenient and easy, allowing you to conduct your banking transactions on your schedule. Our Business Digital Banking platform can be accessed online or with the VSECU Mobile Banking app. It is simple to use and offers many helpful features that allow you to keep your finances on track. Enroll in Business Digital Banking online to access the platform and download the app to experience the full range of features, including mobile deposit.

Enroll in business digital banking cta

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Manage Accounts


With Business Digital Banking, you can manage all your accounts and cards, whether they are held by VSECU or not. Quickly and easily view balances, deposit and transfer funds, pay bills, order checks, view eStatements, and much more.

Track Spending


Within Business Digital Banking you can customize your dashboard to provide an overview of your cash flow. This handy widget allows you to quickly see how much money has come in and how much has gone out within the last 30 days.



You can’t achieve goals you never set!. Business Digital Banking helps you stay on track and achieve your financial objectives with a helpful widget that reminds you of your progress every time you visit your dashboard.


Get customized reports of your accounts, including a breakdown of activity related to each sub-user on your account. You can download transactions to QuickBooks, Quicken, Microsoft Money, or Excel.


Save time and money with automated clearing house (ACH), which allows you to make direct deposits of payroll for your employees, schedule recurring debits or disbursements, and pay state and federal taxes safely and securely.

Enroll in eStatements


Enroll in eStatements to reduce clutter and paper waste, receive statements and tax forms earlier than you would by mail, and increase your security by keeping your personal information in a secure online environment.


Your credit cards will appear in Business Digital Banking within your list of loans and credits. You can view card activity, request/activate new cards, set alerts, turn cards on/off, set travel notifications, and more.

Deposit Remotely


If you have a scanner, you can deposit checks from the convenience of your office or home. Simply scan your check(s) to your Digital Banking account and deposit the check. You can scan single checks or scan in batches.


The VSECU Business Mobile App offers all of the same great benefits of the online Digital Banking experience but in the palm of your hand. It also simplifies your deposits with Mobile Deposit.

Mobile Deposit


With Business Mobile Deposit, depositing checks is as simple as entering basic information from the check and taking a couple of pictures with your mobile device. No scanner or trip to the credit union required.

Bill Pay

Bill Pay is accessible within Digital Banking online and on mobile. It is an easy and convenient way to pay bills and schedule one-time or recurring payments. Bill Pay liberates you from writing checks and buying extra envelopes and stamps. Business members can sign up for Bill Pay within Digital Banking. Once you’re enrolled, you can use Bill Pay online and on mobile. For support, call 855-874-2836.


  • Schedule the payment: Schedule your payments for their due date and Bill Pay will ensure that the payee receives the payment on time. Your payees will appear in one list, making it easier to set up several payments at once and submit them with one click.
  • A payment method will be chosen for you: Depending on your payee’s relationship with Bill Pay, your transaction may be processed electronically or by check. You will see which method was used after you schedule the payment.
  • Funds will be deducted from your account: In some cases, funds will be deducted from your account on the morning of the “deliver by” date you chose when you scheduled the payment. In other cases, the funds will be deducted when the check clears a few days later. If the “deliver by” date falls on a weekend or holiday, the funds may be deducted from your account one business day prior to the date.
  • The payment will be made on time: Your payee will receive the payment as scheduled.

User Guide

The Business Digital Banking platform is easy to use, but you may still have questions. When you do, refer to our user guide, which offers step-by-step instructions to help you navigate the system. Simply download the guide and click on the appropriate link in the Table of Contents to find the instructions you need.

Download digital banking user guide cta