Business Checking

Business Checking That Works as Hard as You Do

  • Zero Maintenance Fees
  • No Minimum Balance Requirements
  • 24/7 Access To Funds
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Local Roots. Business Growth.

At SMCU, we believe your banking should be as committed to this community as you are. Our Business Checking is designed to keep your overhead low and your productivity high—because when our local businesses thrive, we all do.

 

The Essentials for Local Success

We’ve stripped away the hurdles so you can focus on what matters most: your customers and your craft.

  • No Monthly Service Fee: Your hard-earned capital stays where it belongs—in your business.

  • No Minimum Balance Requirements: Flexibility to manage your cash flow without the pressure of a "bottom line" requirement.

  • 100 Free Checks Per Cycle: Plenty of room to handle vendors and expenses (just 30¢ per check thereafter).

  • Low Entry Barrier: Open your account and start your journey with just a $10 deposit.

 

The SMCU Advantage

Banking locally means getting more than just an account; it means getting a team that knows your name.

  • A Welcome Gift: We’ll cover your first order of checks (up to $100) to get you off on the right foot.

  • Modern Tools for Busy Owners: Manage your shop from anywhere with Business Digital Banking, including Mobile Deposit, Bill Pay, and eStatements.

  • Everywhere You Are: Access your cash surcharge-free at all St. Mary’s ATMs, plus the nationwide CO-OP® and SUM® networks.

  • Mastercard® Convenience: Professional buying power with a free business debit card.

 

Let’s Build Something Together.

Business is personal here. Whether you’re just starting out or looking for a banking partner, we’re ready to help.

Request Info. We’d love to hear about your goals and show you how a local partner can make a difference.

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The Unlawful Internet Gambling Enforcement Act, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined Regulation GG, unlawful Internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made". As a member of St. Mary's Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.