Business Accounts

Business Banking That Works Like You Do

HRCCU’s Business Checking is built for local businesses with everyday mobile banking tools to manage your finances.

What is a Business Checking Account?

A Business Checking Account from HRCCU gives local business owners a reliable way to manage their finances without unnecessary fees or restrictions. It’s ideal for small business owners, freelancers, and entrepreneurs looking for a straightforward account to handle daily transactions.

The account includes digital banking tools, a business debit card, eStatements, and the ability to set up direct deposit for payroll.

Whether you’re managing income and expenses, paying vendors, or monitoring cash flow, HRCCU’s Business Checking Account gives you the tools you need with no monthly maintenance fees. Set up full-service business banking for your organization.

No Monthly Maintenance Fees

Supports ACH and Direct Deposit

Connects to Accounting Tools

man on phone and laptop opening bank account

How to Open a Business Checking Account

Get started with a flexible checking account for your business with just a few documents.

Gather business documents, including EIN, license/registration, and formation papers
Visit a branch to open your account in person
Provide ID for all signers and proof of address
Fund your account with your opening deposit
Set up online and mobile banking tools

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Frequently Asked Questions

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HRCCU’s Business Checking is available to sole proprietors, LLCs, partnerships, and corporations registered to operate in New York. You’ll need to provide your EIN, business registration documents, and a valid government-issued ID.

All authorized account users must be present at the time of opening. For sole proprietors, your SSN and DBA documents may be accepted in place of an EIN.

This account is ideal for businesses managing regular transactions, paying vendors, or receiving customer payments electronically.

There are no monthly maintenance fees with HRCCU’s Business Checking Account. This means you won’t be charged for simply keeping the account open or falling below a certain balance.

Services such as wire transfers, printed checks, or returned deposits may carry small service fees. These are listed clearly in your fee schedule.

Most business owners use eStatements and mobile banking to avoid optional charges and streamline their operations.

Yes, Business Checking includes access to HRCCU’s online banking portal and mobile app. These tools allow you to check balances, transfer funds, pay bills, and deposit checks from your phone or desktop.

You can also download monthly transaction records compatible with QuickBooks or Excel, making bookkeeping easier.

Digital access is available 24/7 and protected by secure login credentials and optional two-factor authentication.

Yes, you can set up direct deposit for vendor payments, or recurring transfers. ACH support is built into HRCCU’s Business Checking and can be managed through online banking or with the help of an HRCCU team member.

This feature makes it easy to automate your payment process and reduce paperwork. You’ll need the recipient’s routing and account numbers to get started.

Business owners often use this to pay contractors, suppliers, or distribute funds between departments or accounts.

Yes, Business Checking supports multiple authorized users. You can add business partners, accountants, or employees who require account access.

Each authorized user must present identification and may be granted full or limited permissions based on your business needs. This structure allows for shared financial management while keeping control over who can access or move funds.

Many members pair Business Checking with lending products like commercial vehicle loans through HRCCU. All services are coordinated through the same business relationship for easy management.

To find the right combination for your business, speak with a representative about your current and future goals.