We’re interested in your success.
As a local business in our community, we understand you. We know what it’s like to work a business in this Michigan market because we live and work here too! Let’s keep your business running smoothly together.
Visit a location to open your business account or click below to get started online!
You built your business from the ground up. Now let us foster its growth.
Your business deserves support from a community credit union who knows this community. United Financial business loans can help you invest in new technology, locations, staff and so much more! Learn more about our financing options now.
Great Savings Programs
Enjoy some of the best business savings account rates in the market! How is your business growing?
Checking Accounts
Having a business checking account is important when it comes to the operation of your business, and that’s where United Financial comes in.
Services for Success
United Financial can help you with all of your business operational needs, from HSAs to merchant processing.
Local Support
When your business needs help, it needs it now. How responsive can a company headquartered states away really be? Being our local Michigan partner means immediate support.
Open Your Business Account Today!
We Serve All Business Types, Including:
- Sole Proprietorships
- Limited Liability Companies
- Non-Profit Organizations
- Corporations
- Partnerships
- Unincorporated Organizations
Some other benefits of business banking with United Financial Credit Union include:
- Saturday Open Hours
- Extended Drive-Thru Hours
- Night Deposits
- 24-Hour Telephone Teller
- Online and Mobile Banking
- Online Bill Payment Options
- HSA Savings Accounts
- Free Electronic Statements
Whether you need to save or spend, your business is in good hands.
Business Savings Accounts
Business Savings, Money Maker, and Money Maker PLUS
To get your Business account started at United Financial Credit Union you need to open a Business Savings Account with a minimum balance of just $25! Or try a higher-yield business savings account that works as hard as you do! Both Money Maker and Money Maker PLUS earn higher dividends based on your business savings account balance. PLUS is only available for accounts enrolled in a business debit card and digital e-statements.
Business Savings
Basic account with no varying rate.
|
Minimum Opening Balance |
$25 |
|
Minimum Balance Required |
$0 |
|
APY**Variable |
0.05% |
Business Money Maker
Separate funds out for any reason, and earn higher interest rates based on your balance.
|
Average Daily Balance |
APY**Variable |
|
$100 – $2,499 |
0.80% |
|
$2,500 – $24,999 |
0.90% |
|
$25,000 – $49,999 |
1.00% |
|
$50,000 – $99,999 |
1.10% |
|
$100,000 and up |
1.20% |
Business Money Maker PLUS
E-statements and debit card is required to earn special rates.
|
Average Daily Balance |
APY**Variable |
|
$1,000 – $49,999 |
1.10% |
|
$50,000 – $99,999 |
2.10% |
|
$100,000 – $499,999 |
2.75% |
|
$500,000 and up |
3.00% |
Business Checking Accounts
Business Checking, Business PLUS, and Community Group Checking
Our business checking accounts are perfect for your day-to-day spending. Enjoy no minimum balance requirements, no per-check fees, digital payments and low monthly fees! Our business checking accounts earn increasing interest rates with increasing balances. Larger daily balances can take advantage of Business PLUS to gain even higher interest rates.
Community Group Checking is specially designed for non-profit organizations, groups, and clubs that need to handle operational spending. No fees but you will be required to bring in a 501c3 paperwork or your team roster for your group or club.
Open a business checking account with United Financial today!
Business Checking
Fees could reduce earnings.
|
Average Daily Balance of: |
Actual Rate |
APY** Variable |
|
$0 – $2,499 |
|
0.00% |
|
$2,500 – $24,999 |
0.05% |
0.05% |
|
$25,000 – $49,999 |
0.10% |
0.10% |
|
$50,000 – $99,999 |
0.15% |
0.15% |
|
$100,000 and up |
0.20% |
0.20% |
Business PLUS Checking
Fees could reduce earnings.
Ask how you can receive a 0.10% increase on your rate.
|
Average Daily Balance |
Actual Rate |
APY**Variable |
|
$0 – $19,999 |
|
0.00% |
|
$20,000 – $74,999 |
0.15% |
0.15% |
|
$75,000 – $99,999 |
0.20% |
0.20% |
|
$100,000 and up |
0.25% |
0.25% |
Business ATM & DEBIT CARDS
Behold the power of plastic! An ATM card and all the conveniences of a business checking account – without having to write checks. With a United Financial ATM or Business Debit card you can have 24 hour access to your business checking and savings accounts.
You can change your PIN at any United Financial ATM or by calling 877-265-9594.
ATM CARD:
Access savings and/or checking for transactions at an ATM
- NO SURCHARGE ATMs for credit union cardholders
- (credit unions belonging to the Alliance One or CO-OP networks)
- Accepted worldwide
BUSINESS DEBIT CARD:
- Use your business debit card instead of writing checks
- Use it anyplace you see the MasterCard logo
- Sign for purchases and use it for FREE!
- Accepted worldwide
- Save time and money by not having to write checks
- There is no need to fumble with a cumbersome checkbook – when you can carry a United Financial Debit Card instead!
- This is not a credit card
- You’ll love the convenience of this service!
- Register your Debit Card with MasterCard Secure Code for added security when you shop online!
Business Net Pay
Our Business Net Pay solution not only helps businesses pay their bills; it helps them manage their resources. If your business is striving for paperless organization, then Business Net Pay can offer you that same control over employee deposits, account summaries, and tax administration.
Business Net Pay features these tools to help you manage your resources:
- Multiple-User access
- Single/Recurring Payments
- Payment/Deposit History
- Tax Administration
- Manage Accounts
- Schedule Deposits
- Customized Audit Reports
- Account Summary
- And much more!
Click here to access Business Net Pay
Click here to view the Free Demo
To enroll in this service just log into your Online Banking and then choose Business Net Pay on the left side menu to set up
Try it for FREE for the first 90 days.
Monthly cost of $5.95 a month.
Free for Business PLUS Checking Members.
*Business Checking and Community Group Checking Members can have Net Pay Fee waived if they meet one of the following requirements – Has Direct Deposit, Merchant Card Processing with United Financial CU or a Business Loan $30,000 + original balance.
Business Loans
Ready to expand? Whether you’re investing in new locations, new technology, or getting a small business started, we’re here to help with a United Financial Credit Union business loan that is right for you.
- Business Lines of Credit
- Business/Commercial Equipment Financing
- Commercial Vehicle Loans
- Commercial Real Estate
- Term Loans
- Heavy Equipment Loans
Please contact us directly for current business loan rates! Contact our Business Lending Department or Schedule an Appointment now!
Investments
Thinking long term? Learn about our Certificate of Deposits now.
Business Services
We can also help with your payment processing or employee Health Savings Accounts! Learn more now.