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Rita Ranch Branch is Closed 12/8 – 12/10.

Keep Your Money Moving

Cash management gives you day-to-day control of your business operations. It is the nuts and bolts that keep money moving where it should, on time and with the customizable controls in place. With Vantage West Cash Management solutions, you can streamline cash flow, receivables, payments, payroll, and access for trusted team members, so your operation runs smoother and your finances stay in sync with your goals.

We meet you where you're at, with the tools you need to be successful.

Whether you’re a startup building your cash flow process from day one or a seasoned organization ready to switch from another provider, Vantage West offers flexible cash management services that meet you where you are and scale as you grow.

Merchant Services

Competitive debit and credit card processing rates that support healthy margins

Flexible options including check verification, mobile and wireless processing, and more.

 

Benefit: You get paid faster and more reliably, giving you steadier cash flow and easier forecasting.

Cash Management and ACH Solutions

Manage incoming and outgoing payments with services like ACH origination and electronic transfers.

Set customized account permissions so trusted individuals can handle specific tasks safely.

Benefit: You stay in control of your money while reducing manual work and lowering risk.

Powering Your Business

Cash flow is an essential component of your organization, you don’t have to go it alone.

We make it easy to transfer systems and technology.

Benefit: Working with our Cash Management team brings peace of mind and smooth logistics to your business.

Payroll Simplified​

We partner with Paychex to offer payroll solutions that work for you. Paychex is a full-service payroll provider for small businesses, paying 1 in 12 private-sector workers in the U.S.

If you ever need help, you can contact your dedicated payroll specialist, who serves as your single point of contact, or reach out to a 24/7 support team via phone, email, or chat.

Sign up today and receive: Free Payroll Services for 6 Months*

Benefits of Paychex payroll services include:

Did You Know?

Explore the benefits to opening or transferring a business account with us

You can manage your accounts from anywhere.

Online banking and mobile apps make it simple to check balances, transfer money, and more.

Your money stays close to home.

We invest in Arizona communities—not Wall Street.

We offer better rates than most banks.

That means more money in your pocket, just for saving smart.

Being a member comes with perks.

From partner discounts to loan rate savings—your membership helps you do more with your money.

Business Insights and Financial Tips

How Else Can We Help? Let’s Make It Easy.

Want to talk in person?

Find a branch near you — we’d love to see you.

What Are Members Saying?

Check out how we’ve helped members like you in our Community & Member Stories.

Got questions For us?

Visit the Knowledge Center for helpful answers on saving, budgeting, and more.

Disclosures

*Terms and Conditions

The Six Months Free Payroll Over One Year Promotion for Bank Channel Partners (the “Promotion”) will run from October 1, 2025, until January 31, 2026 (the “Promotion Period”), unless terminated earlier by Paychex, Inc. (“Paychex”), and is subject to the following terms and conditions. The Promotion is available to Eligible Clients (as defined below) who are referred to Paychex by a Paychex Bank Referral Partner (as defined below) and will consist of six (6) months of free payroll services for either the Paychex Flex® Enterprise, Pro or Select payroll services packages.  A “Paychex Bank Referral Partner” is a financial institution with which Paychex has entered into and maintains an active referral agreement. An “Eligible Client” is a business banking customer of a Paychex Bank Referral Partner that: (1) is not currently receiving payroll services from Paychex; (2) is referred to Paychex by an employee of a Paychex Bank Referral Partner during the Promotion Period; (3) elects either the Paychex Flex® Enterprise, Pro or Select payroll services package by entering into a service agreement with Paychex; (4) has between 1–49 employees at the time it commences payroll services; (5) processes its first payroll with Paychex on or before February 28, 2026; and (6) continues to process payroll with Paychex for twelve (12) consecutive months. Paychex Bank Referral Partner customers who process payroll on a quarterly or annual basis are not eligible for the Promotion.  Paychex will credit an Eligible Client’s invoice for free payroll services in months 4, 5, 6, 7, 8 and 9 following commencement of payroll processing services. An Eligible Client must be processing payroll with Paychex in order to receive free payroll services, and any unused month is not redeemable in U.S. currency or for any other entity. The Promotion only applies to payroll services, and Eligible Clients will be solely responsible for all fees due for services other than payroll services. The Promotion cannot be combined with any other offer and is a limited time offer that is only available during the Promotion Period. For businesses with 50+ employees, ask about Paychex’s other special offers.  Paychex payroll processing services are provided by Paychex, Inc. Paychex Bank Referral Partners are not affiliates of Paychex, Inc. and do not provide, warrant, or guaranty its products or services. Paychex Flex® is a registered trademark of Paychex, Inc. These Promotion terms and conditions are copyrighted by Paychex, Inc.

© 2025 Paychex, Inc. All Rights Reserved. | 175379BK Rev 2/27/25

Payroll processing services provided by Paychex, a third-party commercial vendor. Vantage West Credit Union is not an affiliate of Paychex, and does not provide, warrant, or guaranty their products or services. The offer and description of Paychex services are copyrighted by Paychex, Inc.

Certain types of transactions may require specific equipment.

All products and services are subject to approval. Programs, rates, restrictions, terms and conditions apply and are subject to change at any time. Certain restrictions may apply. Credit Union Membership required. Federally Insured by NCUA.

Recent Alerts

Our Rita Ranch Branch is closed until Wednesday, ITMs are still available. Click Here for Nearby Locations.

We’re proud to bring you a new website that reflects the dedication to technology, information, and account management that serves our existing and prospective members!

Current Notifications

2026 Board Election

Members interested in running for a seat on our Board of Directors are invited to submit their application for nomination by December 31, 2025.

Important note about Website Safety

Stay informed about the latest scams and fraud tactics by visiting our online Fraud Watch page. If you have questions or suspect anything unusual, don’t hesitate to contact us. 

Card System Updates
Have a new card to activate?Call 1-800-631-3197.
Need to change your PIN?Call 1-888-886-0083.

Fraud Alert
Fraudulent activity continues to target our members through text messages, email, and phone calls. To keep your accounts safe, never click on unsolicited links or respond to suspicious texts, emails, or phone calls. Vantage West will NEVER ask for your one-time passcode, card number, PIN, or CVV number. 

Branch Updates
In branch debit card instant issue is currently unavailable.

Appointment Scheduling
Planning to visit a branch? Schedule an appointment online.