You’re busy and we know it. That’s why we offer online, mobile and automated services to help you make deposits, pay bills, check balances and more.For information about our business products and services, and how to join as a business member, call us at 804-323-6800 or 800-285-6609, or send us an email.Online & Mobile BankingReal-time balance information and pending transactionsView transaction history, paid check images and moreUse our free Bill Pay service in online banking to send one-time or recurring electronic paymentsMobile Banking1 allows you to check your accounts and pay bills on the go with a secure app downloaded to your electronic deviceThe ability to download QuickBooks™ or Quicken® to manage your account activity1 To use mobile services, you must be enrolled in online banking. While Virginia Credit Union offers Mobile Banking and Text Banking free of charge, your mobile service provider may not. Please review your mobile plan for any charges or restrictions that may apply.Remote Deposit CaptureRemote deposit capture allows your business to make check deposits anytime without having to leave your officeJust scan paper checks, submit and deposit all checks electronically to Virginia Credit UnionThis service gives you the flexibility to manage your business on your schedule, without waiting in linesGet StartedSubmit these forms to request remote deposit capture2:Application for Remote Deposit CaptureBusiness Remote Deposit Capture Agreement2 If your VACU business checking account has been open for less than 6 months, we may require a minimum of 2 previous checking account statements from your previous institution. There are fees associated with Remote Deposit Capture. Speak to your representative for more details.Automated Clearing House (ACH)Approved business members can initiate electronic payments and deposits to accounts at Virginia Credit Union or any other financial institutionInstead of paper checks for employee payroll, ACH entries are entered and transmitted electronically, making the transactions quicker, safer and easierGive employees quick access to their money, even if they are traveling or on vacationLower costs by reducing expenses related to check printing, processing and postageReduce losses due to stolen, forged or lost checksKnow the exact date of your fund transfersHelp protect the environmentHow ACH WorksACH PayrollYou obtain written authorization from employees to make electronic deposits to their accountsYou prepare and deliver payment data to Virginia Credit Union 2 business days prior to the settlement dateYour employee’s account will be credited on settlement dayACH PaymentsYou obtain written authorization from customers to make electronic debits from their accountsEnsure accurate and timely payments to your business by debiting customer accountsYour account will be credited and your customer’s account will be debited on settlement dayGet StartedSubmit these forms to request ACH services3:Application for ACH OriginationACH Electronic Fund Transfers Service Agreement3 When you apply for ACH Origination we will ask for the last 2 years' tax returns for the business and the last 2 years' of your personal tax returns. If your Virginia Credit Union business checking account has been open for less than 6 months, we may also require a minimum of 2 previous checking account statements from your previous institution. Speak to your representative for more details.