Business Banking With FCU in 2024: Business Solutions, Lines of Credit, & More!

Business Banking

12/13/2023

5 min. read

By: FCU Team

Let’s face it – the world of banking in business is a far cry from what it used to be. Getting your business’s financials not only operational but streamlined for efficiency, is a completely different landscape from 5-10 years ago. Not to mention the latest developments in financial frauds, hacks, and scams.

As we approach Q1 of 2024, it’s important to be knowledgeable about your business’s financial security, as well as to ensure you have all the right financial solutions in place, so you can bank smarter, not harder! Whether your needs are basic or complex, proper financial management is critical for the growth and success of every business. Below, we have outlined the banking solutions you’ll need for your business’s success in 2024.

Business Banking Solutions from FCU

Find out how Florida Credit Union can take your business financials to the next level, both in security and streamlined solutions to fit your needs.

Business Checking Accounts

Florida Credit Union offers two types of business checking accounts: Business Value Checking and Interest-Bearing. The Business Value Checking option is our most popular account. It provides a simplified banking solution for small businesses that have lower balances and account activity.

The Interest-Bearing option is ideal for businesses that have balances of $10,000+ and want to grow financially. The more money in the account, the better the interest rate earned.

With an FCU business checking account, you’ll enjoy benefits like:
•    No Monthly Fee
•    No Minimum Balance
•    Surcharge-Free ATM Transactions
•    Free Debit Card
•    Free Multiple Logins with Varying Levels of Access
•    Fast Wire Transfers
•    Checking Overdraft Protection
•    Automated Payroll and Bill Pay Management
•    Bill Pay and Remote Check Pay Deposit
•    Excel and QuickBooks-Compatible Data Download
•    EMV Chip and Contactless Technology for Credit and Debit Cards

Avoid the high fees that other financial institutions charge and open a FCU business checking account that’s truly free!

Business Savings Accounts

Florida Credit Union offers business savings accounts at market-leading rates with convenient access to your account 24/7. Plus, you can rest easy knowing your funds are insured by the NCUA.
Some of the benefits you’ll receive with a FCU business savings account, include:
•    No Minimum Deposit
•    No Service Fees
•    Free eStatements
•    Online and Mobile Banking
•    And More!

A business savings accounts from FCU can assist in both your cash flow and your growth needs, while helping you steadily save for the future. 

Money Market

Want to earn greater returns on your business savings account? Money market accounts may be just the solution you’ve been looking for! FCU’s money market accounts provide better yields at no risk. Plus, all investments are secure and insured by the NCUA – the National Credit Union Administration.

At Florida Credit Union, our money market accounts offer a wide range of benefits, such as:
•    Tiered Rates (larger balances pay higher returns)
•    No Monthly Fees
•    Surcharge-Free ATM transactions
•    Competitive Rates
•    Free Online Banking, Mobile Banking and eStatements
•    Free Visa Debit Card with Chip Technology

Work with FCU today and confidently secure the financial future and success of your business.

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Business Loans

Florida Credit Union offers a variety of business loans to suit your needs, including:

Business Lines of Credit


FCU’s business lines of credit give you the freedom to borrow the funds you need when you need them with no collateral necessary!

With our business lines of credit, you’ll get:
•    Competitive Variable Rates for Peak Season or Long-Term Needs
•    Greater Cash Flow Flexibility
•    Renewable Lines of Credit Every Year

Apply for a line of credit for your business today or contact our Business Team for further assistance!

Business Credit Cards


Florida Credit Union offers two types of business credit cards: the Business Rate credit card and the Business Rewards credit card. 

Both credit cards offer:
•    No Annual Fee
•    No Fee on Balance Transfer 
•    No Cash Advance Fee
•    Competitive Non-Variable Rate
•    Extra cards for Employees

With FCU, you get great rates on business credit cards with fast and easy access to funds when you need them.

Business Real Estate Loans


We offer real estate loans at competitive rates, providing the financial freedom you need to pursue the specific vision you have for your business.

With FCU’s real estate loans, you’ll have access to:
•    Repayment terms suited to your business’s specific needs
•    Lending professionals with knowledge of the local real estate market
•    Quick, local decision-making and processing

Our business real estate loans are available for both owner-occupied and investment properties. 

Florida Credit Union’s real estate loans cover everything from new construction builds to remodels, which apply to various property types, including:
•    Hospitality 
•    Industrial
•    Multifamily
•    Office
•    Restaurant
•    Retail
•    Warehouse

Digital Security for Businesses

Safeguarding the privacy and security of your business account should be top priority. At Florida Credit Union, we have designed and installed layers of security to protect both your account and your devices.
We help keep your account(s) secure with security options that meet your needs, including:
•    Automatic Sign-Off
•    Encryption
•    Firewalls
•    Password Lockout
•    Alert Set-Up
•    E-Statements
•    Card Controls for Misplaced Cards
•    Forgot Password and Change Password

With FCU you’ll never have to stress about the security of your account(s). Plus, you won’t miss helpful updates, such as statement notifications, cleared checks, upcoming payments, deposits, withdrawals, etc.

Online and Mobile Business Banking

With FCU, you can do your business banking online or on your mobile device, safely and securely. 

Our online and mobile business banking allows you to:
•    Check Balances
•    Pay Bills
•    Make Fund Transfers
•    Deposit Checks
•    Access Statements
•    And More!

Manage your funds anytime, anywhere with online and mobile business banking from Florida Credit Union.

Merchant Card Processing and Remote Deposits

When it comes to merchant services, Florida Credit Union offers both Merchant Card Processing and Remote Deposits. Our Merchant Card Processing allows you to easily accept customer debit and credit card payments electronically while simultaneously reducing your operational costs.

Our Merchant Card Processing service also enables you to receive payment via:
•    Visa®, Mastercard, American Express, Discover, Apple Pay, and Samsung Pay 
•    Debit Cards
•    Even Gift Cards!

Our Remote Deposit Service saves you time and money by eliminating recurring trips to FCU branches to deposit customer checks. It also helps reduce fraud, posting errors, document loss, and time necessary to confirm the processing of checks and deposits. Florida Credit Union understands that in this ever-increasing digital world, it’s a “get-on-board” or “get-left-behind” situation, which is why we aptly equip you with the transaction solutions you need to, not just “get-on-board,”, but get ahead!

Business Wire Transfers

With wire transfers from Florida Credit Union, you can maximize the speed and efficiency of your business’s transfers.

Our wire transfers include advantages like: 
•    Accurate, Safe and Confidential Transfers
•    Same-Day, Near-Immediate Fund Transfers
•    Immediate, Non-Repetitive /One-Time Wire Transfers
•    Notify Recipients by Email Functionality
•    Ability to Save Frequent Payees’ Information 

With Florida Credit Union, making business wire transfers has never been quicker or easier!

FCU’s Dedicated Commercial Team Helps You Achieve Your Business Goals

At Florida Credit Union, we have an experienced Commercial Team that’s dedicated to delivering the financial solutions you need to achieve your business goals. We can provide timely thought leadership on the financial industry itself, as well as emerging trends and available opportunities suited to your business’s needs. Whether your company is big or small, complex, or straightforward, FCU’s dedicated team of professionals can help you take the right steps to ensure your business’s financial success. Get in touch with one of our commercial relationship managers today for customized solutions to suit your specific needs.