Community Business

We Make Your Business Our Business!

Our experienced business professionals are in tune to the needs of today's businesses and are prepared to provide the personalized service you've come to expect at HRCCU. No matter what your needs may be, we will help provide you with the financial tools to meet your business objectives.

Community Business Membership and Eligibility

Any sole proprietor, partnership, corporation or organization in HRCCU's field of membership is eligible to join and enjoy the benefits of our business accounts and services.

Choose between Community Business Checking and Community Business Plus Checking

*Checking Type*	*Community Business Checking*	*Community Business Plus Checking*
Minimum Balance Requirement	None	$2,500
Monthly Fee	None	$10.00
Interest Bearing Account	No	Yes - tiered rates
Visa® Debit Card	Yes	Yes
Free foreign* ATM transactions	10/month	15/month
Monthly Transactions transactions include:ACH, Debits, Credits, OTC w/d's and deposits- cash and checks included	300 items free; thereafter $.20/item	500 items free; thereafter $.20/item
Online Banking/Bill PayIt®	Free	Free
eStatements	Free	Free
Overdraft Privilege	Yes - $600	Yes - $600

* Waived ATM fees for HRCCU's Community Business Checking and Community Business Plus Checking accounts apply to HRCCU's $2.00 foreign ATM fee and not for the surcharge imposed by other financial institutions. First box of basic style checks free. Other check styles are available for an additional cost. Rates, fees, and terms listed herein effective as of 02/10 and are subject to change. Please contact HRCCU to verify.

Community Business Loans

Perhaps the single most significant way we help business owners reach their financial dreams is through providing them the financing their businesses need to grow. At HRCCU, we are committed to meet the challenge of delivering flexible credit options that are personalized to help you achieve your business plan and objectives. As a result, HRCCU offers the following business loan products:

Commercial Real Estate Loans
Operating Lines-of-Credit
Equipment Loans
Community Business Visa^® Credit Cards

Merchant Services Now Offered through BancCard!

Banc Card is an Independent Sales Organization Company that offers check services, and transaction authorization, processing, and network services to businesses accepting credit and debit cards as payments for products and services.

Banc Card acts as the credit card merchant services division, check conversion to electronic media, verification, and guarantee service (as an outsource company) for several hundred branch banks in Tennessee, Georgia, Alabama, Mississippi, Kentucky, North Carolina, Ohio, California, Illinois, Michigan, New York, New Jersey, Massachusetts and Texas.

What does Banc Card Process?

Banc Card processes all major credit cards (Visa, MasterCard, American Express, Discover, Diners Club, Carte Blanche), and on-line and off-line debit cards. Other services include, check guarantee, check verification, conversion of checks to electronic media, lock box check services, ACH check services, electronic gift card, and internet-based processing of credit cards for internet web sites.

To open up your Community Business Account please call HRCCU at 518-654-9028 or email us at hrccu-business@hrccu.org.