Business Banking
Flexible solutions. Local support. Real results.
Business Banking Options
Saving and spending are at the core of every business—but the way you manage them can make all the difference. At 1st Advantage, we offer smart, flexible solutions designed to help your business grow stronger, run smoother, and stay financially confident. From everyday checking and savings to loans, credit, and specialized services, we’re here to give you the advantage.
Business Checking & Savings
Money management made easy. From everyday transactions to long-term savings, our accounts are designed to keep your money working as hard as you do.
Savings Accounts
Looking to build a stronger financial foundation for your business? Our Business Savings Accounts offer smart solutions tailored to help your funds grow. Choose from our High-Yield Savings—featuring member-exclusive, competitive rates and interest paid monthly to accelerate your savings—or the Regular Business Savings account, perfectly suited for setting aside capital for equipment, seasonal costs, or unexpected opportunities.
Business Checking Accounts
Managing your business finances should be simple—and that’s exactly what our Business Checking options deliver. Whether you’re launching a startup or growing your company, we have accounts designed to fit your needs. All accounts include a free Debit Mastercard®, access to 30,000+ surcharge-free ATMs*, and full online and mobile banking. From High-Yield to Premier, Advantage, and Non-Profit Business Checking, you’ll find flexible solutions built to support your goals.
Business Money Market Accounts
Grow your business savings while keeping funds accessible when you need them. Our Business Money Market Accounts offer competitive, tiered dividends that reward higher balances, all with no monthly maintenance fees. You’ll also enjoy six fee-free withdrawals per month, secure access through online and mobile banking, and NCUA insurance for added peace of mind. It’s a smart way to earn more while maintaining the flexibility your business deserves.
Business Credit Cards & Loans
Smart financing starts here. Our business credit cards and loans give you the flexibility to cover expenses, invest in growth, and keep your business moving forward.
Business Mastercard
Simplify spending and build smarter business habits with our Business Mastercard. Enjoy unlimited 1% cashback on every purchase, the flexibility of assigning customized spending limits to employee cards, and peace of mind with Mastercard® perks like ID theft protection and zero liability** coverage. Plus, everything is manageable through secure online and mobile banking for seamless control and reporting.
Business Loans
Fuel your business’s growth with flexible financing solutions tailored to your unique needs. Whether you’re expanding your space with a commercial real estate loan, smoothing cash flow through working capital, acquiring essential machinery via equipment financing, or maintaining operational flexibility with a business line of credit, we’ve got you covered. Our team offers personalized guidance to help you choose the right option and navigate the process with confidence.
Business Lines of Credit
Get the flexibility your business deserves with a Business Line of Credit that adapts to your needs. Whether you’re managing cash flow, purchasing inventory, or responding to unexpected expenses, draw funds when you need them—and only pay interest on what you use. Choose from unsecured options with limits up to $100,000 or secured options offering even higher thresholds. With no application fees or prepayment penalties, it’s financing that gives you peace of mind and agility for whatever comes your way.
Commercial Real Estate Loans
Whether you’re ready to buy, relocate, or expand, our Commercial Real Estate Loans offer flexible, long-term financing built for growth. Enjoy customizable terms that support up to 25-year amortizations, with no application fees or prepayment penalties. Tailored for both owner-occupied and non-owner-occupied properties—including rental or combo investments—our solutions help you build stability, generate income, and benefit from potential tax efficiencies in your business real estate ventures.
Small Business Administration (SBA) Loans
Give your small business a powerful advantage with our SBA-backed lending options. We offer a range of SBA loan types—including SBA 504, 7(a), and SBA Express—designed for lower down payments, longer repayment terms, and tailored support to meet your unique needs. Backed by local service and expert guidance, these loans provide accessible, community-focused financing to help your business thrive.
Disclosures
*Applicable at CO-OP and 1st Advantage ATMs with our Debit Card
**These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your 1st Advantage for complete coverage terms and conditions. Applicable to U.S. Cardholders only. Valid for 1st Advantage Mastercard.