Business
Banking
Solutions

Designed with small business owners in mind.

• 200 free items per statement cycle (checks paid/withdrawals, deposits, ACH debits/ credits, POS/debit transactions)
• Waive the $10 Monthly Service Fee with $5,000 minimum balance (average daily balance)
• Business debit card – employee purchasing flexibility, no expense report reimbursements, card controls
• ACH to move money quickly, easily between business accounts with outside institutions

We’ve teamed up with Clover™ to provide you with the best point of sale system available. Process transactions, manage inventory, and keep track of sales with a modern POS system. Run your business from your laptop, phone or tablet. • Accept more types of payments including EMV® chip cards, Apple Pay® and Samsung Pay® • Protect your customers, business and reputation from fraud with built-in security • Manage inventory, employee schedules, payroll and more

For businesses with higher volume of transactions and higher average daily balances.

All the services available in Business Essentials plus more of what your growing business needs.

• High levels of no-fee transactions and cash deposits
• Higher transaction dollar limits per item, per day, per month for ACH & wires
• Waive the $20 Monthly Service Charge with $25,000 minimum balance (average daily balance)
• ACCESS CAPITAL: for equipment purchases or real estate to help fuel growth. ¹
• REMOTE DEPOSIT: Use a scanner or your mobile phone to capture and deposit checks directly to your account.
• ACH ORIGINATION: Move funds electronically. Pay suppliers/employees faster. Providing greater control of your cash flow.
• POSITIVE PAY: Mitigate fraud on both checks and ACH origination. You provide your issued payment information and the Credit Union compares that list to the checks that post to your account. If your payments match, they post to your account. If they don’t match, we present you with an exception that you may choose to PAY or RETURN.
• MERCHANT SERVICES: with Clover™ you’ve got a modern POS system to help you Process transactions, manage inventory, keep track of sales and run your business from your laptop, phone or tablet.
• DOMESTIC WIRES: send or receive money quickly without risk of insufficient funds.

For midsized and larger businesses.

Built for midsized and larger businesses with more sophisticated financial service needs.

All the services available in Business Advantage plus:

• ACCESS CAPITAL: Nimble decision making with flexible financing options at very competitive rates and terms tailored to the Member’s objectives.¹ With ongoing Member engagement, we take personal responsibility to optimize YOUR experience.
• MANAGE CAPITAL: We make available to our Members tools for collecting, disbursing, and investing business cash efficiently and cost effectively. Including Remote Deposit, ACH, and Positive Pay.
• DOMESTIC/INTERNATIONAL WIRES: send or receive money quickly without risk of insufficient funds.
• SWEEPS: Attach your Line of Credit (LOC) or an interest-bearing Signature Business Savings Account to your Operating account. Funds are advanced from the linked account if your Operating account needs funds. Automatically pay down your LOC when your Operating account has excess funds.
• Member average non-interest-bearing deposits will earn a credit rate that can be used to offset the normal price of banking services.

• No minimum balance
• No monthly service charge if average daily balance > $1,000
• Free first order of basic checks
• 25 free transactions per month***
• 10 free foreign ATM withdrawals per month**
• Business debit card available
• Free Mobile Banking

Your Coastal 1 Debit Card Now Supports Contactless Transactions

Faster Transactions

• Your new card includes the latest chip technology including support for contactless transactions.
• Contactless means you don’t have to insert your card into the point-of-sale terminal and wait…
• Save time every time you tap.

Secure Transactions

• Every chip transaction and every contactless transaction includes a unique code, helping to protect against fraud and keep your information safe.
• The information on your card is protected by unique keys.
• Contactless transactions only work within 1-2 inches from the point-of-sale terminal.

Business customers can order checks in just a few minutes on our website.