Business Services

We'll take care of the financial details...  - so you can take care of business.
FinancialEdge Community Credit Union is a trusted financial partner for a wide variety of businesses. As a member owned, not for profit organization, we can leverage our profits to provide low loan rates, an outstanding array of products and accounts, and personal, professional service. With a reputation for  excellence, we are committed to the success of our business partners and the strength of the communities we serve.
Business Member Savings $5.00 min balance for membership $25 min to earn dividends, paid quarterly Includes 25 transactions* FREE per month (please review included items*) Monthly Inactivity Fee $5.00, if inactive for 12 consecutive months (Fee waived if account balance greater than or equal to $50 or if you maintain other select active products) High Yield Savings for Business $5,000 min balance to earn interest Interest paid monthly Tiered interest based on daily balance (Click Here for Current Rates) Up to 6 withdrawals per month Business Loans Business Lines of Credit Equipment Financing Vehicle Loans VISA Credit Cards Commercial Real Estate Financing -  Rental Properties -  Office Buildings -  Retail Properties -  Apartment Buildings -  Office / Warehouse Properties -  Industrial Properties	Essential 200 Checking for Business Designed for small businesses, organizational accounts, DBAs, home based businesses and those with low to moderate activity.  No min balance required No Account Maintenance Fees.  Includes 200 transactions* FREE per month (please review included items*) $0.25 per item over 200 Monthly Inactivity Fee $5.00, if inactive for 12 consecutive months (Fee waived if account balance greater than or equal to $50) Does not earn interest  Freedom 400 Checking for Business Designed for all types of businesses with moderate activity and larger numbers of items per transaction.  No min balance required Includes 400 transactions* FREE per month (please review included items*) Fixed $15 monthly Maintenance Fee (Fee waived if monthly average collected balance of accounts is greater than or equal to $10,000) $0.25 per item over 400 Does not earn interest  Premium 500 Checking for Business Designed for larger commercial businesses with multiple locations or those businesses with moderate to high activity. No min balance required Includes 500 transactions* FREE per month (please review included items*) Fixed $25 monthly Maintenance Fee (Fee waived if monthly average collected balance of accounts is greater than or equal to $20,000) $0.25 per item over 500 $10,000 min balance to earn interest (Click Here for Current Rates) Interest paid quarterly  Tiered interest based on daily balance
* Items included in Transaction Fee: Debits & Credits   -  Checks cleared or deposited - each item (check)   -  ACH items cleared or deposited - each item   -  PIN based POS & ATM transactions   -  Overdraft Transfers   -  Deposits & Withdrawals   -  Account to Account Transfers Home banking (ElectronicEdge), Telephone Banking (AudioEdge) and Debit (signature based) transactions are FREE and are not included as items in the Transaction Fee.
Merchant Card Processing Processing for VISA, MasterCard, American Express, Discover, Diner's Card and Debit Cards. Gift and Loyalty Cards  Electronic Check Guarantee 24/7 Merchant Support Online Statements Electronic Cash Management At FinancialEdge, we know that your work day often extends beyond the usual 9 to 5. So we offer lots of different ways to manage your accounts on your own timetable: FREE Electronic Edge online account access  FREE AudioEdge telephone banking  Direct Deposit and Payroll Deduction for employees Receiver and Depositor for ACH transactions Other FinancialEdge CCU Products & Services for your Business  Night Drop Services  Personal Finance Workshops for your Employees  Money Orders  Cashier Checks Travelers' Checks Notary Service Wire Transfer Services Surcharge-Free CO-OP ATMs And much MORE! Employee Benefits We are happy to offer credit union membership to all of your employees. This is a valuable benefit that can help encourage stability, loyalty and satisfaction... - at no cost to you.	Want to know more? Contact Diane Szczepanski, our Business Development Manager today to discuss your business needs: direct dial:  989-460-6224 or email:  Diane Szczepanski     Other Helpful Links:   Bay Area Chamber of Commerce   Michigan Business Tax (MBT)   Michigan Small Business - Region 5   Starting a Business in Michigan   US Small Business Administration

For more information contact:
Diane Szczepanski
Business Development Manager
FinancialEdge Community Credit Union
1199 S. Euclid Ave., Bay City, MI 48706
direct dial:  989-460-6224 or email:  Diane Szczepanski