Treasury management for credit unions and community banks
The Only Tru End-to-End Business Banking Solution
Tru Treasury helps credit unions and community banks offer treasury management: the banking services businesses use to pay bills, get paid and protect their money. We bring the products, technology and expertise so you can serve local businesses the way they deserve.
Sales close rate75%Client rating out of 109.8Combined experience300+ yearsWon through the RFP$9M relationshipCertified treasury professionalsCMP, AAP, CTPBusiness risk toolReady for 2026 ACH rulesNACUSO2025 CUSO of the YearInstitutions served130+Sales close rate75%Client rating out of 109.8Combined experience300+ yearsWon through the RFP$9M relationshipCertified treasury professionalsCMP, AAP, CTPBusiness risk toolReady for 2026 ACH rulesNACUSO2025 CUSO of the YearInstitutions served130+
I need better technology.A treasury management dashboard and ACH, wire and real-time payments for your businesses, plus risk assessment and administration tools for your team.
What it is, why the businesses you serve need it, and how Tru Treasury helps you offer it.
Watch on YouTube3:17 · Captions included
What is treasury management?
Every business runs on cash flow. Treasury management keeps it in control.
It is the suite of services businesses use to manage payments, collections, liquidity and financial risk. For your institution, it is how you win operating deposits, deepen lending relationships and compete with larger banks. New to these terms? Start here.
Four ways businesses manage their money
ACH origination, wires, real-time paymentsRemote deposit capture, incoming ACH, real-time paymentsPositive pay, ACH filters, dual approvalSweeps, deposit managementPay employees, vendors and partners on time, from one place.Collect checks and electronic payments faster, without a trip to a branch.Stop fraud before it clears, and require two people to release money.Put every idle dollar to work, automatically.
For exampleA contractor running payroll for 80 employees and paying suppliers by wire.A dental group depositing insurance checks from the front office.A distributor that was hit by a forged check last year.A growing firm holding more cash than its operating account needs.What it earns your institutionOperating deposits that stay with you, plus recurring fee income.Deposit growth without adding branch traffic.Fewer losses and a relationship built on trust.Larger balances that stay on your books.
Check 4102Matches issued fileCleared
ACH debit, utilityApproved payeeCleared
Check 4107Amount does not matchHeld for review
Outgoing wireOne approval of twoAwaiting second approver
Target balance
Operating account
Interest-earning account
What we do
The full scope of treasury management, from people who have run it.
Our team comes from commercial banking and has stood up treasury programs from coast to coast. Hover a practice to see how we cover every stage.
For institutions launching treasury management. We build the program with you, then run sales, onboarding and servicing as an extension of your team.
Launching treasury management takes more than software. Follow the path from first conversation to fully serviced businesses, or tap any step.
Step 01 of 5 · ImplementationKnow your market before you build.We size the opportunity in your footprint, align stakeholders and set the goals your program will be measured against.
What we handleMarket assessment and competitive analysisStakeholder and internal alignmentPolicy, compliance and documentation advisory
Step 02 of 5 · ImplementationChoose the right products, priced to win.We recommend the product set, pricing and risk framework that fit your institution, your businesses and your examiners.
What we handleProduct selection and pricing strategyRisk assessment tools and documentationOperational workflows and procedures
Step 03 of 5 · ImplementationGo live with every system tested.We configure the technology, test it with your team and train staff so launch day is an announcement, not an experiment.
What we handleTechnology setup and core integrationPlatform configuration and user testingStaff training and enablement
Step 04 of 5 · Treasury SalesClose business accounts without stretching your team.Our sales support specialists plug into your sales motion, pitch the right solutions and join the calls that win businesses.
What we handleTrain your team to talk treasury confidentlyGuide pricing and proposalsJoin calls to help win business clients
Step 05 of 5 · Onboarding + SupportMake it easy after yes.Our onboarding team sets up every service, trains every user, and our treasury-trained representatives handle servicing from then on.
What we handleOnboarding from A to Z, tailored to each businessUser training until businesses are self-sufficientTreasury-trained representatives for every question and issue
Three products that work alone or together, giving your team one view of risk, relationships and results.
Online banking built for businessesThe treasury management dashboard where the businesses you serve manage ACH, wire and real-time payments through Tru Payments, positive pay and remote deposit capture, and move money between accounts.
ACH, wire and real-time payments through Tru PaymentsPositive pay and remote deposit captureTransfers between business accounts
Know every business user's riskScore every business the same way, document KYC profiles, and assign risk tiers your examiners can follow.
KYC profiles for every businessRisk tiers: Best 0 to 2, Moderate 4, High 6Built around the 2026 NACHA rules
Set up businesses fasterSet up businesses and users faster, and see how your businesses pay with reporting on payment activity and channels.
Provision businesses and usersReporting on business payment activityAnalytics by payment channel
Results your board can see, from a team that has done this for decades.
75%Sales close rate achieved by our sales support specialists.
9.8Average client rating out of 10, from the institutions we serve.
300+Years of combined experience, with CMP, AAP and CTP certified specialists.
2025 CUSO of the Year · Trusted by credit unions and community banks
Suncoast Credit UnionTeam One Credit UnionGTE FinancialGreat Lakes Credit UnionCommunity Choice Credit UnionELGA Credit UnionPublic Service Credit UnionFinancial Plus Credit UnionEmbers Credit UnionUnited Bay Community Credit UnionAdventure Credit Union130+institutions served nationwide
Tru Summit 2027 · Sept 20 to 22 · New Orleans
The deposits conference for community institution treasury teams.
Three days on deposits, fee income and membership at The Ritz-Carlton, New Orleans, with speakers from the Federal Reserve, The Clearing House and the FBI.
