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Business Deposit Accounts

At Smart Financial we realize that your business needs are as unique as you are. That's why we offer you the freedom to choose from a wide variety of savings programs - from basic Business Savings, Checking, Money Market Accounts to Certificates of Deposit. Many options are available in a wide variety of terms.


Business Savings

Smart Business Membership Savings

A Smart Business Membership Share (Savings) Account establishes your business’s membership at Smart Financial Credit Union.

Account Features:

  • Online Banking access with file export capability to QuickBooks
  • Interest Bearing
  • SmartLine Access
  • Optional Overdraft Protection.

At Smart Financial Credit Union, we'll help you guide your business every step of the way. You'll have a trusted partner who's looking out for your best interests.


Smart Business Checking Account

Smart Business Checking Accounts

Smart Financial Checking options and features are designed to work for your business.

With several Business Checking Accounts and packages to choose from, we have an option that works just the way your business needs it to.

All Smart Financial Business checking accounts include:

  • ATM access
  • Online Banking access with file export capability to QuickBooks
  • Smart Financial Debit Card
  • Bill Pay
  • Optional Overdraft Protection

Smart Business Checking

Smart Business Checking

Ideal for sole proprietorships and small corporations like home-based businesses.

  • $100 minimum balance to Open
  • $10 monthly Maintenance Fee (first 90 days free)
  • Minimum Balance: $2,500.00 Average Daily Balance to waive $10 fee
  • Maximum Number of Transactions: 150
  • Excess Transaction Fee: $.25 each

Smart Advantage Business Checking

Smart Advantage Business Checking

Designed for sole proprietorships, small corporations, and partnerships with moderate to high activity such as contractors and retail store owners.

  • Minimum to Open $500
  • Monthly Maintenance Fee $15
  • Minimum Balance: $5,000 Average Daily Balance to Waive Fee
  • Maximum Number of Transactions: 250
  • Excess Transaction Fee: $.25 each

Smart Business Money Market

Smart Business Money Market Accounts

A Smart Financial Business Money Market account offers a higher dividend rate for members who keep a higher balance in their accounts, while maintaining access to funds.

  • Earn a higher rate than traditional savings
  • Online Banking access with file export capability to QuickBooks
  • SmartLine Access

Smart Business Certificates of Deposit

Smart Business Certificates of Deposit

Make your money work as hard as it can for your business. We give you the flexibility of short and long term investments - 6-, 12-, 24- and 60-month terms, as well as Mini-Jumbo and Jumbo CDs.

All Smart Financial Business Certificates of Deposit include:

  • A selection of short and long term savings and retirement goals at a fixed rate of return.
  • Higher balances may earn higher interest rates

See the Business Services Rate and Fee Schedule for more information.