Business banking
Built for the small businesses that built our communities
Free business checking, SBA preferred lender, merchant services, and a relationship banker who actually knows your shop. The cooperative model — applied to small business banking.
Business membership
8,400
Business members
$284M
Total small biz lending
$0
Monthly biz checking fee
12 days
Median SBA close time
Accounts
Business checking + savings
Free Business Checking
$0 monthly fee. 200 free transactions/month, then $0.30 each. Free debit card. Free mobile deposit. For small businesses with under 200 transactions/mo.
Business Plus Checking
$25/mo (waived with $5,000 average balance). Unlimited transactions. Cash deposit allowance up to $10,000/mo. For higher-volume businesses.
Business Money Market
3.85% APY on balances $25,000+. Limited to 6 outbound transfers per month. Higher tiers for $100K+ balances.
Business CDs
Lock in rates from 6 months to 5 years. $1,000 minimum. Up to 4.85% APY depending on term. For reserve funds you won’t need short-term.
Lending
Business loans
Business term loan
$10K – $500K. 1 to 7 year terms. From 7.49% APR. Equipment, expansion, working capital, vehicle purchase.
Business line of credit
$5K – $250K revolving. Pay only on what you draw. Variable rate from prime + 1%.
SBA 7(a) preferred lender
We’re an SBA preferred lender — internal approval authority means faster decisions than going through banks. Loans $50K – $5M. Median close in 12 business days.
Commercial real estate
Up to $2.5M. Owner-occupied or investment. 25-year amortization.
Equipment financing
Up to 100% of equipment cost. Equipment serves as collateral. Fast approvals.
Vehicle + fleet loans
Single trucks to fleets of 50+. Rates from 6.49% APR. Same-day pre-approval for known vehicles.
Payments
Merchant services
Card processing
Member-rate processing — typically 0.5% lower than non-member rates. Visa, Mastercard, Amex, Discover all supported.
Point of sale
Clover POS systems for retail and restaurants. From $9/mo lease or buy outright. We help with setup + training.
Online + recurring billing
Built-in payment forms, subscription billing, ACH echecks. PCI-compliant out of the box.
Mobile card reader
Free Bluetooth card reader for iOS + Android with first transaction. Best for service businesses + pop-up retail.
Next-day deposits
Standard. Even on Saturday transactions when most banks settle Monday.
Payroll integration
Direct integrations with Gusto, QuickBooks Payroll, ADP, Paychex.
From business members
Why small businesses bank with us
“Our SBA loan closed in 11 days. The bank we shopped first quoted 90 days. The local branch manager came to our shop. They actually understand small retail.”
AM
Aisha M.
Owner, Lighthouse Books · Asheville, NC
“Switched our merchant processing — saved $4,800/year on the same volume. The card reader works exactly like Square but the rate is materially better. Should have switched 3 years ago.”
CR
Carlos R.
Owner, Verde Plant Co · Greenville, SC
“Our banker calls when something looks unusual. Caught a $14K wire fraud attempt — saved the business. That kind of relationship is rare.”
DT
David T.
CFO, Rivermill Manufacturing · Knoxville, TN
Business questions
What business owners ask
- Sole proprietors, LLCs, S-corps, C-corps, nonprofits, and partnerships. Business must be registered in NC, SC, or TN. Owner must qualify for personal membership.