Money Management

ACH Origination/Direct Deposit - A service that makes creating your own direct debit and credits simple and easy. Using this service for payroll, bill payment/collection, and cash management transfers gives you the financial control you need to run your business effectively.

Contact our Member Business Lending department at (607)754-7900, ext. 626 or Business Development department at (607)321-0805 to discuss ACH Origination/Direct Deposit further.

Treasury Tax & Loan Services

Visions Federal Credit Union is authorized to serve as a Treasury Tax and Loan Depository for receipt of payments of federal taxes and certain United States Treasury Department Regulations. To participate in this program you must call 800-945-8400 and have an established Business Checking Account at your credit union. You will need to provide the credit union transit and routing numbers (transit/routing number 221375378) along with your 9 digit account number. Visit any branch for additional assistance.

Direct Deposit

- Security

- Convenience

- No Cost

Visions Federal Credit Union will find simple arrangements that works both for your business and the credit union. With a direct deposit plan, your employees can conveniently choose to allocate funds to any variety of credit union accounts each pay period by simply completing the direct deposit forms which are provided totally free by your credit union. To determine if direct deposit is an option for your business, contact the Business Development Department at Visions Federal Credit Union.

Electronic Wire Transfers

An electronic funds transfer moves funds from your established business checking account at Visions FCU through the Federal Reserve Bank to an account at another financial institution.

FEES*
Outgoing Wire	$15.00 (Domestic) $30.00 (Foreign)
Incoming Wire	$15.00 (Domestic)
* Debited to your business checking account.

Wire transfers can be transacted at any Visions Federal Credit Union branch.

Savings Bonds

- Recognition Gifts

- Employee Savings Plan through payroll

Offer your employees a convenient way to save money for future needs. An excellent gift to give an employee for recognition of a job well done. Contact our Business Development Department at ext. 826 and see how easily this employee benefit can become a reality.

SEPS

Visions FCU now offers a Simplified Employee Pension (SEP) Plan to better serve our small business owner members. This is a special retirement program by which employers can make tax-deductible contributions to the Individual Retirement Accounts (IRA's) of their eligible employees as a valuable employee benefit.

SEP's have been of special interest to self-employee business owners, who can take advantage of the much greater contribution limits than are available with regular IRA's. And unlike traditional employer retirement plans, there is no extensive record-keeping, government filing or legal work required.

For more information to include eligibility requirements, visit any Visions branch office and request a SEP starter kit. This contains easy-to-follow instructions and forms for an IRS-approved prototype SEP plan agreement. Or you may call our Deposit Services/IRA Specialist directly at (607) 754-7900 Ext. 542. Contact us today to take advantage of this attractive small business benefits option!

Business Lines Insurance

Your Business' success depends on a solid financial plan for the future, one that anticipates any chance misfortunes. Visions Federal Credit Union, in partnership with PRL Insurance, a locally owned independent insurance agency, have teamed to provide Visions members with high quality products and services designed to protect their complete business exposure. We will offer a full range of commercial products including:

• Fire & Allied Perils
• Worker's Compensation
• General Liability
• Umbrella Liability
• Fidelity & Crime
• Commercial Auto
• Business Interruption
• Product Liability
• Bonding
• Life & Health
• Disability