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Routing Number: 272485385

Time is money. The 4Front Treasury Management team is committed to helping you save both. We simplify your entire cashflow process, so you save time, money and frustration. We do so by reducing inefficient, manual processing and increasing your cashflow through faster collections and prioritizing payments. We also help reduce your risks from daily business activities. With 4Front, your money flows quickly, smoothly and securely, so your business can too. Call Business Services direct at 231-932-5225.


Jeff Bassett, MBA
Vice President, Treasury Management


Layla McIntyre
Treasury Management Specialist

Get paid more quickly.

  • Autobooks – Send invoices, collect online and offline payments and automate your accounting—all without a costly, separate software package.
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    • ACH – Manage direct deposits, payroll, and vendor payments quickly and easily.
    • Merchant Services – Process credit card transactions faster for more timely payment.
    • Remote Deposit Capture – Make deposits from your office or place of business. Business checks can be deposited 24/7, 365, with no need to spend time endorsing the backs of checks or driving to the bank.

    Prioritize payments.

    • Payroll Services:

      Simplify your entire payroll process with our Payroll Services. The program retains employee information so there’s minimal data entry. This lets you easily manage payroll including direct deposits and deductions.

      • Payroll with a 3-year price lock – No unwelcome costs or surprises for three years.
      • Employee Electronic Files Storage – Save room on your server.
      • Employee Self-Service – Serve yourself on your schedule.
      • Payroll Reporting Packages – Keep track of payroll and have the back-up.
      • Complete Tax Service – Get the expertise your business needs.
      Integrated Solutions:
      • Time Clock interface with a PTP tracker – Automate work hours and time off.
      • General Ledger Connection – Compatible with your accounting software.
      • Onboarding and Tax Credit Tools – Make first days better and get the tax credits you deserve.
      • HR Support Center – Get answers fast.
      • HR On-Demand Services – Spend less time on HR and more on your business.
    • ACH – Schedule automatic payments that fit your billing cycle.
    • Online Wire Transfers – Transfer funds instantly and securely with help from 4Front.
    • Business Bill Pay – Schedule and pay bills, quickly and securely, right from your mobile device.

    Maintain security and control.

    • Positive Pay – Protect yourself and your business with one of the leading fraud-prevention systems.
    • Online Banking – Maintain total account control with speed and ease using our full suite of online banking solutions
    • Overdraft Protection – Avoid account shortages with our comprehensive overdraft protection.

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    Wherever you are on your financial journey, we make banking smart and simple.

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