Leading Bank for Business*

Small Business Cash Management Solutions

Running and growing a small business is more than a full-time job. Let Comerica reduce your busywork with cash management solutions designed to streamline the process.

Smart solutions for smart businesses

Small businesses look to Comerica as a leading provider for smart cash management tools that maximize efficiency and profit. See how Comerica can help optimize your business.

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Payables Solutions

Save your business time and money, improve cash flow and productivity, and streamline your payment process. See how Comerica’s payables solutions can optimize your efficiency and give you more power over your business.

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Comerica Treasury Payments®

Initiate wire transfers, ACH¹ transactions and Real-Time Payments, transfer funds between your Comerica accounts, place stop payments and more. This feature-rich solution lets you import and export payments, generate standard reports, create customized reports and personalize your view.

  • Access 24/7 with web-based, single sign-on to the Comerica Business ConnectTM portal
  • Schedule one-time and recurring payments and transfers
  • Use mobile access to approve, reject or delete wire, ACH and real-time payments
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Comerica Integrated Payables Web™

Control and consolidate your payables with our comprehensive, web-based solution. No more switching back and forth between different systems and payment processes. Now, all of your payment types to vendors, employees and other payees can be initiated through one safe, secure electronic process.

  • Allows for multiple payment types to be submitted in a consolidated file in your preferred format from multiple locations if needed
  • Dual-approval process reduces errors and fraud
  • Comerica can assist in migrating your vendors to receiving electronic payments
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Comerica Real-Time Payments

Send and receive domestic funds transfers with immediate funds availability 24/7.2  Comerica Real-Time Payments accelerates payments and shipments within your supply chain, helping your business avoid late fees and enjoy early payment discounts.

  • Transfer funds between personal and business accounts at Comerica and other participating institutions
  • Manage payments, remittance information and receipts – all in one location
  • Easily compensate gig workers and contractors or meet unexpected payroll needs
  • Access audit history for all payments and correspondence
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Zelle® for your small business

Zelle® for your small business is a convenient way to pay and get paid. Do everything from paying eligible suppliers to sending money to your employees to accepting payments from customers.3 Access Zelle® for your small business through your Comerica Web Banking® or Comerica Mobile Banking® app.

  • Payments sent to you are typically available in minutes.3
  • Money is sent directly to your bank account, reducing the need to handle cash or checks.
  • Request payment from your customer on the spot.3

Learn more about Zelle® ❯

Receivables Solutions

Streamline your receivables to get faster access to the cash that keeps your business moving forward. Comerica’s receivables solutions help you gain efficiency and get paid sooner.

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Comerica Easy Pay™

Gain control over your organization's receivables while improving funds availability and saving time and costs.

Comerica Easy Pay™ is a low-cost, high-volume solution that offers your customers invaluable convenience when making payments to you 24/7 whether it's online, IVR, pay by text or customer service center.

This simple system offers you a suite of electronic payment alternatives such as credit, debit and ACH payments without large investments in infrastructure or support staff.

Comerica Easy Pay™ provides a host of fraud prevention and security measures that makes it safe for both you and your customers.

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Comerica Business Deposit Capture®

Deposit checks quickly and easily from your desktop or mobile device. Because your deposits are electronic, Business Deposit Capture4 gives you the convenience of an extended deposit window not confined to traditional banking hours.

Reduce bank fees and get faster access to the funds your company needs with a flexible solution that lets you scan checks for deposit and consolidate all your deposit information.

Comerica Merchant Services

Learn how Comerica Merchant Services can provide your business with the payment solutions needed to increase revenue and decrease expenses.

Paying at merchant

Simple, secure, powerful

Our advanced, leading-edge technology protects your company from data breaches while allowing you to take multiple payment types, including contactless, mobile and card-not-present transactions.

Plus, you can accept payments anytime, anywhere, with 24/7 on-demand support to keep your business moving.

Learn More ❯

Information Reporting Solutions

Get real-time access to treasury cash management information and streamline decisions with powerful tools designed to help you obtain, analyze and manage your cash and treasury info.

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Comerica Treasury Information Reporting®

Powerful, fast and secure, Treasury Information Reporting is a robust web-based information and analytics tool with intuitive features. Access and customize your prior day, current day and multibank reporting and more in real-time through our single sign-on portal, Comerica Business Connect™ or on-the-go through Comerica Treasury Mobile®.

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Comerica Treasury Mobile®

Our easy-to-use app provides on-demand access to account balances, transaction information, payment approval and mobile deposits. You can also approve, delete or reject pending wire transfers, ACH transactions and Real-Time Payments, plus make deposits using your mobile device. 

Fraud Protection

To manage your cash flow more intelligently, move beyond basic banking. Safeguard your business from fraud with powerful tools to manage your company’s transactions and payment processes.

Positive Pay5

Protect your company against losses due to fraudulent payments. Positive Pay provides daily protection that guards against check fraud by detecting unusual activity and notifying you, so you can stay ahead of potential problems.

Comerica ACH Positive Pay™

Reduce your company’s risk of unauthorized transactions with the power to review incoming credits and debits and reject them before they post to your account.6  Create rules to automatically accept or reject transactions, minimizing the need for daily review and decisioning.

Comerica Maximize®

Earn high interest by putting operating cash to work.

Comerica Maximize combines high-yield checking accounts with a powerful package of cash management solutions to protect against fraud and manage your payments, receivables, loans and more.

Earnings Credit Allowance (ECA) allows you to offset up to all checking and cash management fees based on your balance. The more you deposit, the more you earn on excess balances with tiered interest rates. 

Learn more for details about how Comerica Maximize can bring your business to the next level.

Small Business Insights

*Comerica ranks first nationally among U.S. bank holding companies with greater than $70B in assets, based on commercial and industrial loans outstanding as a percentage of assets, as of June 30, 2024. Data provided by S&P Global Market Intelligence.

1 The Automated Clearing House and NACHA are not affiliated with Comerica Bank.

2 Transactions can be entered 24 hours a day, but those entered between 10 p.m. and 11:59 p.m. ET will be sent at 12:15 a.m. ET the following day.

To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. 

4 Subject to qualification requirements. Not all products/services available in all markets.

5 Please note: Positive Pay service is not available for use with bank accounts opened in Florida.

6 Decision Same Day ACH transactions until 8:30 p.m. ET, regardless of your cut-off time, or they will be carried over and can be decisioned the next banking day.

7  Interest is earned on the Comerica Maximize Checking average ledger balance for any monthly statement cycle where the Earnings Credit Allowance (ECA) offsets all fees and is calculated and paid through Account Analysis only on balances in excess of those required to offset all checking and cash management fees by the ECA.  Complete fees, ECA rates and interest rates are available through a Comerica Treasury Management Officer.

8 Real-Time Payments are provided through The Clearing House RTP Network. The Automated Clearing House (ACH) and National Clearing House Association (NACHA) are not affiliated with Comerica Bank. 

9 One-time scanner charge is not included.

Zelle®and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Comerica has partnered with Worldpay LLC to provide credit card processing. Merchant Services are offered through Comerica Bank. Ancillary services are offered through Worldpay or other service providers and may require a separate agreement with those service providers.