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Closed for Juneteenth

All HFCU branches, drive-thrus, and HFCUVT Video Branch are closed today Wednesday, June 19 for Juneteenth.

Our call center, eBranch and M.A.R.S are available 24/7.

Business Checking & Debit

Designed for businesses that maintain higher balances. Earn dividends on tiered minimum balances.

A checking account designed for non-profit organizations.

A perfect option for small business members.

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Business Plus Checking

The Business Plus Checking Account is designed for business owners with higher balances. Some fees may apply.



  • Overdraft from Operation Line of Credit available
  • Additional Overdraft Protection Services
  • Daily transfers available In/Out/Both
  • Visa® Debit Cards, including additional cards for authorized users

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Non-Profit Business Checking

The Non-Profit Business Checking is designed for true non-profits with IRS designation.



  • Overdraft Line of Credit and additional overdraft protection services
  • Visa® Debit Cards, including additional cards for authorized users

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Business Choice Checking

With no minimum balance requirements, Business Choice Checking is perfect for small businesses that want to hold the line on fees yet still enjoy the benefits that make business banking easier.


  • No minimum balance
  • Unlimited checks written/cleared
  • No Dividends Paid
  • Suite of eServices


  • Overdraft Line of Credit and additional overdraft protection services
  • Visa® Debit Cards, including additional cards for authorized users

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Gold Level IOLTA Program Partner

Where you open your Interest on Lawyers' Trust Accounts (IOLTA) account matters. Maximize your contribution to legal aid programs by partnering with a financial institution offering competitive rates. HFCU is a Prime Partner, demonstrating exceptional commitment to the IOLTA Program. Our Gold Level status means we offer an annual net yield on IOLTA accounts that allows attorneys and law firms to contribute significantly to advancing access to justice for those in need within Vermont.

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Your full-service checking account isn't complete without our suite of eServices. Every Business checking account has FREE access to these premium eServices:

Upgrade your account and access these advanced services for an additional fee:

  • Business ACH 3
  • Remote Deposit Capture - an advanced check scanning service where businesses can use a desktop check scanner to scan checks from their offices and submit a bulk check deposit - without ever entering a branch!

A small business meeting takes place.

Protect your business

add overdraft protection to your checking account

HFCU offers a variety of overdraft protection options to suit your needs:

  • Overdraft Line of Credit
  • Share Transfer
  • Sweep in and out 4

Learn more about overdraft services

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Add value to your account

Additional business services complement your business account by adding benefits and functions to help run a successful and efficient business. These include:

  • FREE 5 eBranch online banking
  • ACH Processing 3
  • Smart Deposit
  • Wire Origination
  • Merchant Processing - Request a quote from our partner, Total Merchant Concept
  • Payroll Services
  • Remote Deposit Capture

If your business could benefit from these services, please contact our Business Services team for more information!

Email business services Call 802.747.2337


1 APY = Annual Percentage Yield

2 eBranch is not accessible from all countries. Please contact us before travelling internationally.

3 ACH = Automated Clearing House

4 Sweep in and out overdraft availability will depend on the business checking account type utilized.

5 Carrier rates and data fees may apply when using the mobile app.