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Credit unions and banks both offer a range of financial services that can meet your business needs, but there's one important distinction: Credit unions are owned by their members. Instead of the executives guiding the institution, as it is at traditional banks, credit unions have an elected board of directors—who are also members of the credit union—that make sure your best interests are served.
 
Credit unions are also non-profit organizations, so their main focus is on providing ways for members to save money instead of increasing profits. At SCCU, we invest in our membership, offering better rates on loans and valuable rewards that help our members save money. And, for our members' peace of mind and security, the National Credit Union Administration (NCUA) insures our account holders' deposits just as the FDIC does for traditional banks.

There are many important reasons a business owner should have a business bank account separate from his or her personal account, including:

• Tax purposes: No matter what type of business you have—online, run from your home, or in a brick-and-mortar location—a business bank account will help simplify tracking expenses and income and make filing easier at tax time. With your business interest checking account at SCCU, you have fast online access to account records that can help at tax time as well.
• Legal status: Mixing your personal and business financial activities may be a problem if you have a corporation or LLC and your business faces legal issues involving liability.
• Convenience: Your SCCU Business Checking account includes free mobile and online banking⁶⁰, free online bill payment, and a free Business Visa ® Debit Card that save you time and make managing your company's money easier.

Establishing a business account has several important advantages, such as simplifying the tracking of income and expenses and making tax filing easier. When you open an SCCU business checking account for your LLC, sole proprietorship or any other type of business, you'll also have convenient and efficient ways to take care of your business finances, from free mobile banking⁶⁰ to payroll solutions and merchant services.

When you don't have time to get to your local SCCU branch, your branch comes to you! These are just some of the online self-service features that come with your SCCU Business Checking account:

• Pay bills with SCCU's Online Bill Payer service—make one-time payments or schedule recurring payments, and pay any business or individual
• Transfer funds between SCCU accounts, such as paying your SCCU business loans by transferring payments from your business checking
• Make balance inquiries at any time of day, any day of the year
• View up to 90 days of cleared checks
• View and print your account tax forms
• View an electronic version of your paper account statements
• View, print or save up to five years of account statements

Your SCCU Business Checking account also offers you customizable online banking alerts that notify you of several types of account activity, including check clearings, balance limits, debit or credit card purchases, account withdrawals, direct deposits and balance limits.

We know how important it is for business owners to save as much time as possible, so we make opening a business checking account easy. Review our Account Documentation Checklist to see what you'll need to open your account and apply online or over the phone. If you prefer, you may also stop by any one of our 60+ locations throughout Florida.