Business & Commercial Banking
Customized Business Checking, Savings and MoreTaking care of your business needs with a full suite of banking services
We’re a local business too, so we get it. Whatever your size, we can help you find the right mix of banking services to fit your needs—all with the personalized service and attention of a member-owned credit union. Need dedicated savings accounts for different funds? We can do that. You can pay your vendors online and make deposits remotely. We have two types of checking accounts, so you won’t pay for features you don’t need. We even have services tailored to the needs of specific local businesses like yours.
To get started, call us at 800.296.4644, email us at businessservices@servicecu.org or complete the form below. Ready to apply? Download our business application now and email it to businessservices@servicecu.org or print it out and bring to your local branch.

Business Checking
Free Business Checking includes up to 250 items processed every month at no charge. Need more? BusinessPlus Checking gives you 500 items per month, for a monthly fee. Both include a Business Visa® debit card, 24/7 live support, and free notary services.

Business Savings
Our Business Share Savings account has no fees and pays competitive dividend rates. And with a Business Secondary Savings account, you can manage different funds separately. Both accounts offer convenient online banking and remote deposits.
For even better dividend rates and the same access to funds, consider a Business Money Market account. Or if you don’t need immediate access to your funds, earn even more on long-term savings with Service Credit Union certificates.

Business Online Banking and Bill Pay Services
Why pay for stuff you don’t need? We offer three tiers of business online banking and bill pay services which can be tailored to fit your specific needs. You also can make one-time or recurring transfers in foreign currencies to international accounts from your Service Credit Union checking account for a small fee.

Payroll/HR
Managing your own payroll and HR can be timely, and costly. That’s why we’ve teamed up with Paychex®, a leading provider of HR solutions, to give you an affordable, full-service option for outsourcing these services, and employee benefit administration.

Debit/Credit Card Merchant Services
Through a partnership with EVO Payments®, we can help meet all your credit and debit card processing needs at an affordable price. EVO’s industry-leading solutions support business growth, increase customer loyalty and strengthen data security.
NH Business Finance Guides
We know being a small to medium business owner can be challenging, and it’s not always easy to find the right resources for your specific needs and goals. That’s why we’ve created the NH Business Finance Guide for you. Learn more.
Frequently Asked Questions
What do I need to open a business account with Service Credit Union?
Please refer to our Required Business Account Document list.
I am just getting started with opening my own business. What are the steps I need to take?
The U.S. Small Business Administration (SBA) has a checklist for anyone launching a small business. Make sure to follow all the steps listed here.
How do I apply for an EIN (Employer Identification Number)?
Applying for an Employer Identification Number (EIN) is a free service offered by the Internal Revenue Service. Beware of websites on the Internet that charge for this free service. Visit their website to apply online or learn how to apply by mail, fax or telephone.
How do I register my business?
Learn how to register with federal, state and local agencies on the SBA’s website.
Please note that Service Credit Union requires legal entities to be registered with their appropriate state, town, or county. Sole Proprietors “doing business as” (DBA) any name other than their own legal name, will be required to register the DBA/trade name/fictitious name/assumed name with the appropriate state, town or county in order to open an account using that DBA.
Example: “John Smith” – does not need to register
“John Smith Auto Repair” – does need to register
How do I qualify for a business membership at Service Credit Union?
For a business to be eligible for membership, all owners of the business must be in Service Credit Union’s field of membership. If the owners do not meet these qualifications or the entity is a nonprofit organization, please submit a referral. A Cash Management Specialist will work with you to determine business membership eligibility.
For a list of membership qualifications, please refer to this page on our site.
How much do I have to deposit to establish a new business membership with Service Credit Union?
Service Credit Union only requires a $5 membership pledge to be deposited into your business savings account to establish membership.
What is the difference between an authorized signer and a designated signer?
An authorized signer has full authority over an account. They can open/close accounts, remove designated signers and update information on the account. This is typically an owner, LLC member, or a managing member of the business.
A designated signer has transactional authority only. They can only update their own personal information. They cannot open/close accounts, change signers or information on the business itself. These are typically employees of a business.
Can I get a debit card for my account?
Yes, we can provide a debit card for any business account you open with Service Credit Union. We can also provide debit cards for each signer on an account. Debit cards can be made instantly in a branch or one can be mailed to you in 7-10 business days.
Please note designated signers will need written authorization from an authorized signer to receive a debit card.
Does Service Credit Union integrate with Quickbooks?
Yes, Service Credit Union’s online banking solutions have Quickbooks integration.
Is online banking free?
Yes, Service Credit Union offers a free online banking solution to all members. We also have enhanced business online banking solutions that are available with multiple pricing options. For more information, please contact a Cash Management Specialist.
Do you offer payroll and HR solutions?
Service Credit Union has partnered with Paychex®, a trusted provider of payroll and HR solutions, to provide these services. Learn more.
Do you offer credit/debit card processing solutions?
Our partner, EVO Payments®, can provide these services at an affordable rate for Service CU members. Learn more.
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