Macatawa and Wintrust Announcement
Man working on computer 

Collection Services


ACH Collection Services1

Safely and Efficiently Process your Receivables

Our secure web-based ACH Collection Services allow your organization to collect funds from individuals and businesses on a one-time or recurring basis – customer payments, association or membership dues, charitable contributions, rent payments, etc. With ACH Collection Services you can schedule collections to better plan your cash flow and offer greater convenience to your customers. Leveraging ACH for recurring funds you collect will reduce your administrative time by automating the collection process both for you and your customer.
  • One time or recurring transactions
  • Easy to use/retrieve templates
  • Integrated payor email notification
  • Dual approval and other user permission options
  • Multiple import options including csv and NACHA
ACH Collections can also be sent via direct transmission using NACHA-formatted files generated by your software.

Remote Deposit Capture Services

Turn your Office into the Bank

Our secure web-based Remote Deposit Capture Services allow your organization to use a specialized scanner to make check deposits from the convenience of your office. With Remote Deposit Capture you save time and reduce risk by no longer having to transport your deposit to the bank. Remote Deposit Capture also offers a built-in image repository and deposit reporting to streamline your research and reconciliation processes.
  • Easy to scan, review and correct checks
  • Multiple reporting options and formats
  • Memo fields to capture deposit/check details pertinent to your needs
  • Dual approval and other user permission options
  • Several supported scanner options
If you receive checks on the go or deposit a small number of checks each month, you may benefit from our Mobile Deposit service. This service utilizes your mobile phone to process your check deposits.

Lockbox Services

High tech. High touch.
Leverage a West Michigan Address

Macatawa Bank’s Lockbox Service provides your organization with a West Michigan Post Office Box to which your customers mail their payments – the local PO Box supports your local business image. The Bank handles the entire receivables process for you, from mail collection, processing and imaging, to depositing and reporting. Deposits are made the same day to your account, and payment data and images are available for online review and electronic posting. An image archive system provides electronic storage for convenient information retrieval.

Retail Lockbox
Expedite collections and automate posting for retailers, utilities, municipalities and other organizations with high volume, low dollar consumer payments.

Wholesale Lockbox
Streamline collections of low volume, high dollar payments and leverage enhanced data/image capture of associated remittance information.

Wholetail Lockbox
Blend the benefits of retail and wholesale lockboxes to garner the automation, speed and efficiency of a retail lockbox, while meeting the specialized processing requirements of a wholesale lockbox.

Courier Service 

Save Time
We’ll run to the bank

You’re busy running your business. You may not have the time to run to the bank. Let us do the driving so you can stay focused on moving your organization ahead. With Courier Service, our reliable and professional couriers will come to you, and deliver your deposits to the bank for same day processing. Banking items and cash deposits2 are picked up directly from your place of business, Monday through Friday (excluding Holidays). Our couriers will deliver your deposits to the nearest Macatawa Bank branch or a centralized processing center in a sealed, tamper-evident bag to ensure same-day processing of items.

Coin and Currency Deposits and Orders1
Our branch locations can provide the flexibility your organization needs to handle most currency and coin deposits and orders. If you use an armored courier or for more extensive coin and currency needs, our Vault Services offer your organization secure and efficient deposit and order solutions.

Merchant Services1

Connecting your business with simplified payments,
technology, and easy-to-use tools to help you grow

Accepting credit cards as a payment method is a fact of life for today’s businesses. Customers are carrying more cards and less cash than ever before. We understand the challenges of today’s marketplace and offer a broad range of payment acceptance solutions to meet the unique needs of your business.

Through our relationship with Worldpay, a recognized leader in payment processing, we offer state-of-the-art technology, competitive pricing, and great service to meet all your merchant services needs. Let us help you boost sales, reduce risk, and stay focused on what matters most: your customers and your bottom-line.

For more information or to request a quote, please complete the form below to be connected with a local Treasury Management expert.


Mobile payment acceptance

Accept payments anywhere, anytime, always. Convert your mobile device or tablet into a complete point-of-sale terminal. It’s perfect for businesses that want to process credit card transactions more securely, but do not have the budget for expensive hardware.

Electronic check services

Choose from several electronic check processing options that provide real-time authorizations and fewer check-processing hassles. Electronic check services can help you:
  • Reduce the risk of fraud, returned checks, and non-sufficient funds notifications.
  • Reduce check processing costs.
  • Increase back-office efficiencies.

Recurring payment solutions

Offer convenience for customers and ensure you never miss a payment with recurring payments. Recurring payments lets cardholders authorize you to periodically bill their payment card for ongoing delivery of goods and services.

PCI Assist

Achieve and maintain PCI compliance with ease. Assistance with vulnerability scans, self-assessments, and checklists help you avoid the devastating loss of consumer trust and the financial impact associated with a data breach.


Protect card data at rest. Tokenization replaces card data with a substitute value—a token—that is useless to criminals, while enabling functions like recurring payments and tip adjustment.

Debit card acceptance

Customers appreciate the simplicity and convenience of debit cards. Enable these purchases with dependable, secure debit card acceptance. With Worldpay, the largest processor of online PIN debit transactions,* you can take advantage of the expertise of a true payments leader.
*Source: The Nilson Report, March 2017

Gift card programs

Increase sales, improve cash flow, and project your brand with our affordable gift card program. Our offering enables multiple transaction types, flexible program controls, and cardholder and merchant support features to ensure you get the most out of your gift card program.

Electronic Benefit Transfer (EBT)

Support all EBT card forms – SNAP, Cash Benefit and WIC – using the same equipment and processing systems you use for credit and debit payments. Accepting EBT is convenient for you and your cardholders.

Breach Assist

Limit your financial liability in the event of a data breach. Our breach protection service provides reimbursement for certain breach-related costs and includes funds for related hardware and software upgrades that may be required post-breach.

Credit card acceptance

Accept payment cards no matter what brand your customers use. You’ll have access to all the major card networks including Visa®, MasterCard®, Discover®, and American Express®. You can also process fleet and commercial cards – including Level II and Level III data transmission.

Online reporting capabilities

Manage your accounts 24-hours-a-day, seven-days-a-week with our secure, online reporting portal. It’s a quick, secure, easy-to-use tool that can help you reconcile merchant accounts, respond to chargeback notices, research customer transactions, and more

Data security programs

Take the complexity out of payment security with our advanced security suite. Cutting-edge security tools give you the confidence you need to safely accept payments and help reduce your fraud liability and breach vulnerability.


Add a solid layer of protection by encrypting data the moment it enters your system and throughout the entire transaction. Card data encryption removes card data from your network, reducing your risk of data compromise and helping you reduce the scope of your PCI compliance requirements.

1Subject to approval.
2Daily deposits of $5,000 or less. If your cash deposit needs exceed this limitation, please complete the form below to talk to a Treasury Management expert about armored courier and Vault Services.

Ready to talk to an expert about the best tools to help grow your business?

Fill out the form below and we’ll contact you.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
* = Required field.

Preferred form of contact*