Become a Business Member

Whether you are established or just starting out your business, Heritage Family Credit Union has the tools and resources you need to help your business grow. 
 

How to Apply

Select the application process that is most convenient for you!

Apply online securely, anytime from anywhere
Apply through Video Branch. Available remotely from your home or business through our secure Video Branch service.
Apply in person at any of our branches. Available during normal branch hours.

Business Savings & Checking Accounts

Business Primary Share Account

A Business Primary Share Account establishes the business membership and account status. The initial $25 you save in your credit union Business Share Account represents a share of ownership in the Credit Union.
 

Business Money Market Share Account

Business Money Market Share Accounts (MMSA), are savings vehicles which may offer higher rates of return than other savings accounts.
 

Business Plus Checking

The Business Plus Checking Account is designed for the business owner that carries higher balances, and earns interest on a tiered Minimum Balance. Daily transfers are available. Some fees may apply.
 

Non-Profit Business Checking

With the Non-Profit Business Checking members earn interest at the consumer dividend rate. The Non-Profit Business Checking is designed for the true non-profits with IRS designation.
 

Business Choice Checking Accounts

Business Choice Checking Accounts are designed for the small business owner.
 

High-Yield Business Account

The High-Yield Business Account is a transfer vehicle offering higher rates of return than other accounts. You can obtain higher dividend rates than traditional share and share draft accounts and are allowed unlimited transfers to and from this account within one member number. High-Yield Business Accounts are great to use when you want higher rates of return coupled with fast liquidity. Unlike Term Share Certificates that have substantial penalties for early withdrawal, the Business High-Yield Account allows for penalty-free withdrawals and unlimited transfers within the same member number.

Business Services

• eStatements
• Internet banking services
• Bill Pay
• Available Quickbooks integration
• Smart Deposit via mobile phone
• Automated Clearing House (ACH) capabilities
• Payroll Services through Paydata
• Merchant Services through Total Merchant Concepts
• Business VISA Credit Cards
• Business Lending services

What Information Will I Need to Open a Business Account?

Download our business account checklist for further information on what is needed when opening a business account.

 Every Business Type:
• Registered Business Name
• Proof of Registration with Secretary of State*
• IRS EIN Document**
• Government-issued photo ID for each authorized signer
• Beneficial Owner and Controlling Owner information

Corporation
• Corporate Resolution of Signers^*** OR Board Meeting Minutes

Limited Liability Company
• Corporate Resolution of Signers^***

Limited Liability Partnership
• Partnership Agreement
• Certificate of LLP

Non-Profit Organization or Corporation
• Corporate Resolution of Signers^*** OR Board Meeting Minutes
• IRS Verification of Tax-Exempt Status (501)

Partnership
• Partnership Agreement

Sole Proprietorship
• Trade Name Certificate

*Not required if doing business under personal name.
**Not required if using personal SSN for Single Member LLC or Sole Proprietorship.
***If an account has authorized signers who are not owners or partners in the business, a resolution needs to be collected for that business.