Business Savings & Checking

Savings and Investments

Featuring high yield savings, money market accounts, and certificates of deposit, we want to help your business grow.  Open up a savings account with a minimum deposit of $5 and start saving today.  We also offer sub-accounts allowing you to more easily categorize funds for business purposes.

Business Checking with Overdraft Privilege

Running a business comes with its own challenges -that's why our business checking account features unlimited transactions and access to our Overdraft Privilege program to help you purchase the items you need, when you need it.  With Overdraft Privilege the credit union may process your checks, ACH and debit card transactions, when there are not enough funds in your accounts.  Learn more today by reviewing our Discretionary Overdraft Privilege Policy.

  Non-Profit Checking Business Checking
Unlimited Deposits    
Unlimited Check Writing    
Unlimited Access to 24/7 Kiosk    
Complimentary Business Debit Card    
Online Banking with Bill Pay    
Mobile Banking with Check Deposits    
Monthly Maintenance Waived $20.00/month
Includes eStatements

with Paper Statements

*Business and Non-Profit Checking transaction activity will be analyzed on an annual basis and fees are subject to change.  Overdraft Privilege is not a line of credit.  You may opt out of this service at any time.  Fees are only assessed if you use the service.  Account must be in good standing.

Business Tools

We've got the tools to help manage your business.  We are committed to continually upgrading our technology to ensure you are provided with all the access you need to run your business with ease.

Online Banking

Manage your account, check balances, account history and make cross-account transfers without setting foot into a branch.  Sign up for eStatements and receive your statements securely online, days before paper statements.

Bill Pay

Pay bills on your own time with Bill Pay.  Set up a one-time or recurring payment and get back time to run your business.  With a few clicks you can securely pay your bills online.


Remote Deposit

Our innovative remote deposit capture product allows you to make check deposits from your office, using a computer and scanner.  Save time, save money by depositing with ease with remote deposit capture.

If you prefer to come to the office to transact visit any one of our 5,000 branch locations through the Shared Service Center Network.

Debit Card

Running your business costs money and convenience access to funds is crucial.  Each business account will receive a debit card to access funds and make purchases.  Plus, deposit checks, transfer funds and review account history 24/7 from our self-service terminal.  Each authorized user can have their own card to access funds and keep your business running smoothly.  Instant issue cards are now available – visit the branch to pick yours up today.

Surcharge-Free ATM Access
Get access to over 30,000 surcharge-free* ATMs nationwide through the CO-OP Network.  We’ve also reached an agreement with Stewart’s Shops to offer our members surcharge-free ATM access at all of their locations.

Surcharge-free ATM transactions per month are cumulative. ATM transactions include balance inquiries, deposits, withdrawals and transfers. In addition to the fees charged on some accounts by Saratoga's Community FCU, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. Our credit union has entered into an agreement with Stewart's Shops and the CO-OP Network to allow members access to participating ATMs, Kiosks and cash dispensing terminals without paying surcharges. Credit union fees for utilizing these ATMs as stated in our fee schedule and your account agreement will still apply.

24/7 Self Service Kiosk

Utilize our brand new 24/7 self-service kiosk, providing the same traditional transactions of an ATM plus enhanced transactions that would normally be provided by a teller.  Available anytime day or night, even on holidays.  Make deposits, withdrawals by cash or check, loan payments, balance transfers and even review your account history.

Photo:  Jane Decoteau, President/Chairperson; Don Nickson, Vice President/Vice Chairperson; Don Denofio, Chief Executive Officer.


Build Your Brand

Branding is a crucial element to developing and growing your business.  Website development, digital marketing and ecommerce are tools to help you communicate your brand to potential customers.  Let our experts help you spread the word.

Protect Your Business

Reduce your costs and minimize your risk with business insurance.  Select from our menu of commercial and personal insurance coverage options.

Payments, Billing and Payroll

Accepting electronic payments can increase your sales, cash flow, and customer satisfaction. Allow your customers the freedom and flexibility to pay how they wish and even on the go with mobile payments and Apple Pay.