Business Checking

Checking that fits your business so you can focus on what you do best.

Account options to match your business needs
Easy access with online and mobile banking
Local support from HRCU’s expert business team

Meet the Team

Growing together with honest advice and sound solutions for you business. Meet our business experts that are here for our neighbors.

Free Business Checking

An easy, no-fee account that keeps your business moving without the hassle or hidden costs.

No maintenance fees, no minimum balance, and no per-transaction charges
Pay bills, transfer funds, deposit checks, and more with online and mobile banking
Free Visa® debit card with multi-user access and contactless payments
Add your card to Apple Pay®, Google Wallet™, or Samsung Wallet for fast, secure checkout
Open your account with a visit to any HRCU branch

Visit a Branch

Non-Profit Checking

A simple, fee-free account designed to support the good you do in our community.

No maintenance fees, no minimum balance, and no per-transaction charges
Free Visa® debit card for purchases, with multi-user access
Access your account anytime with mobile and online banking
Schedule bill payments, transfer funds, and deposit checks with ease
Add your card to Apple Pay®, Google Wallet™, or Samsung Wallet for secure, contactless purchases
Set up your account quickly at any HRCU branch

Visit a Branch

Merchant and Payroll Accounts

Take your Business Checking account to the next level with dedicated Merchant and Payroll accounts.*

Contact or visit us at one of our branches to learn more.

Merchant Account

For businesses that need a dedicated account for handling payments and vendor transactions.

Ideal for receiving and sending funds to vendors or payment processors
Includes all the features of Free Business or Non-Profit Checking
No minimum balance requirement
No per-transaction fees
Overdraft protection included
Checks available upon request

*Must have a Free Business Checking or Non-Profit Checking account to enroll.

Payroll Account

For businesses that need a separate account dedicated solely to payroll.

Designed to simplify employee payment management
Includes all features of Free Business or Non-Profit Checking
No minimum balance requirement
No per-transaction fees
Overdraft protection included
Checks available upon request

*Must have a Free Business Checking or Non-Profit Checking account to enroll.

Merchant Card Processing

We've partnered with OnCore (formerly Transaction Resources, Inc. (TRI)) to provide our business members with a wide range of payment processing solutions at highly competitive rates. With OnCore, you can easily accept credit cards, gift cards, and loyalty cards at your business, with funds conveniently deposited directly into your HRCU Business Checking Account.

Specialty Card Options

We offer flexible terminal options tailored to your needs. Choose a dedicated terminal for specialty cards such as gift cards, loyalty cards, discount cards, and prepaid usage cards, or opt for a combination unit that handles specialty cards alongside credit and debit cards. Additionally, swipeable specialty cards are fully compatible with our e-Port™ mobile card terminals, ensuring seamless processing wherever you go.

Gift cards that can be reloaded
Loyalty cards, including regular loyalty cards, reward cards, points cards, advantage cards, and club cards so you can reward your loyal customers in a way that fits with your particular business model
Discount cards, ideal for both customer and employee discount programs
Prepaid usage cards, the ideal way to offer promotions with restrictions that require tracking, without involving manual recordkeeping or POS software changes

Free Current Cost Analysis

Curious how much accepting credit and debit card payments is really costing your business, all without doing any legwork and number crunching? Then take advantage of a free, complete analysis and cost comparison for your business' current merchant processing system.

Free analysis please!

Helping you take your business to the next level

HRCU Visa® Platinum Business Credit Card

Your smart solution for everyday business expenses.

Learn More

Business Loans

From real estate to equipment, we've got you covered.

Learn More about Business Loans

Business Savings & CDs

Build your financial cushion with competitive business savings.

Learn More about Business Savings and CDs

Health Savings Account (HSA)

Support your employees with smart health savings options.

Learn More

Digital Banking

When life gets busy, bank on your own schedule with HRCU's mobile and online banking.

Make your next smart move

Watch your money grow with HRCU's CDs.

Learn More

When you make plans for the future, you write the next chapter of your story.

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Business Checking

Meet the Team

Free Business Checking

Non-Profit Checking

Merchant and Payroll Accounts

Merchant Account

Payroll Account

Merchant Card Processing

Specialty Card Options

Free Current Cost Analysis