Business Savings

What you will need to bring when opening your business account.

Sole Proprietor - You will need an Assumed Name Certificate from the county. Picture ID's and SSN's will be required on all account signers. If applicable, provide Tax ID Letter from IRS or first page of tax return if using a TIN/EIN to establish account.

Partnership - You will need your Partnership Agreement showing who the partners are and indicating which partners are authorized to sign. Picture ID's and SSN's will be required on all account signers. If applicable provide Tax ID Letter from IRS or first page of tax return if using a TIN/EIN to establish account.

Corporation - You will need your Articles of Incorporation. Picture ID's and SSN's will be required on all account signers. If applicable, provide an Assumed Name Certificate from the county if your business uses a different name to conduct business which is different from the legal entity name. If possible provide Tax ID Letter from IRS or first page of tax return to confirm TIN/EIN.

Limited Liability Corporation (LLC) - You will need your Articles of Organization. Picture ID's and SSN's will be required on all account signers. . If applicable, provide an Assumed Name Certificate from the county if your business uses a different name to conduct business which is different from the legal entity name. If possible provide Tax ID Letter from IRS or first page of tax return to confirm TIN/EIN.

Organizations/Associations - You will need your Organizational By-Laws. Picture ID's and SSN's will required on all account signers. If possible provide Tax ID Letter from IRS or first page of tax return to confirm TIN/EIN.

 

Business Checking

We offer a simple, cost-effective account that provides the services you need to manage your day-to-day finances. Record keeping is made easy with an end-of-month account statement that details all transactions made during the calendar month as well as your end-of-month account balance. Our business checking features:

  • No minimum monthly balance requirement.
  • No monthly service fees
  • ACCESS to Online Banking
  • Online Bill Pay
  • e-Statements

Business Online Banking

ACCESS Online
Your Credit Union branch on the Internet! ACCESS your Credit Union, when you want, how you want...wherever you are! With ACCESS Online you can find out if a check has cleared, transfer funds between accounts, and download account history 24-hours a day, 7-days a week. Click here to begin using ACCESS Online. Then type in your Member Number and your Password. Your initial password is your Bank By Phone PIN. If you don't have a Bank By Phone PIN, stop in your local ACCESS FCU office For your security, you will be required to create an unique login id and secure password (combination of letters, numbers, and special characters with a minimum length of 8).

AFCU e-Statements now available
Go Paperless! Get your account statement e-lectronically! Introducing ACCESS e-Statements. No more long waiting for your paper statements to arrive by mail. Your statement can now be available when you want, wherever you are! Click here for more information.

Bank By Phone
ACCESS FCU is as close as a touch tone telephone when you use Bank by Phone. Just call Bank by Phone, enter your member number and pin and you'll be able to perform numerous financial transactions 24 hours a day, 7 days a week. You can transfer funds, make loan payments, get balance and history information, find out if a check has cleared and much more. This service is provided to our members free! If you're not set up for Bank by Phone, stop in your local ACCESS FCU office.

ACCESS-A-Bill
Day after day, more and more people are getting out of line and going online. If you haven't started paying your bills online, now is the time to start. ACCESS-A-Bill saves you time and money - Pay anyone, anytime, anywhere in the United States with a click of the mouse. No more checks to write, stamps to buy, or trips to the post office. Find out more about ACCESS-A-Bill

ACCESS Mobile Banking
Get ACCESS in the palm of your hand! You can ACCESS your account anytime and anywhere using your smartphone or tablet! Point your browser to www.accessfcu.org or download our FREE mobile app (search your mobile app store for ACCESS FCU Mobile Banking).

ACCESS Text Banking
Log into your account in ACCESS Online and set up ACCESS Text Banking. You can (very quickly) check your balance and make a transfer while you're waiting in line to check out at the store!

Business Loans

ACCESS offers a variety ofloans to help you finance the tools you need to make your business grow.

  • Small Business Loans
  • Small Business Lines of Credit
  • Small Business Real Estate Loans

We're here to help your business grow. Patrick Monaghan, VP of Commercial Lending, has over 20 years of commercial lending experience. He can assist you in finding the financing option that is right for your business. All loan decisions are made locally.

For more information email Patrick T. Monaghan, or call 315-557-1000