Banking built for small business
Business checking, merchant services, and credit lines designed to help you manage cash flow and grow your company. Whether you're a sole proprietor, LLC, or growing startup, Prospera Credit Union gives you the tools to get paid, pay vendors, and plan for what's next.
Business products
All business accounts include access to Prospera Credit Union Business Online, mobile deposit, and a dedicated small business support line.
Business Checking
Designed for LLCs, sole proprietors, and partnerships. Includes debit card, online banking, and mobile deposit.
Open business checking ›Business Savings
Earn interest while keeping operating reserves accessible. Link to checking for seamless transfers.
Open business savings ›Business Line of Credit
Flexible funding for inventory, payroll gaps, and seasonal needs. Draw and repay on your schedule.
Apply for credit line ›Compare business checking
| Feature | Business Basic | Business Plus | Business Premium |
|---|---|---|---|
| Monthly fee | $0 (200 txns) | $15 (500 txns) | $30 (unlimited) |
| Cash deposits/month | Up to $5,000 free | Up to $10,000 free | Up to $25,000 free |
| Wire transfers | $25 each | 2 free/month | 5 free/month |
| Employee debit cards | 1 included | Up to 5 | Up to 20 |
| ACH origination | — | ✓ | ✓ |
| Remote deposit capture | Mobile only | ✓ | ✓ |
| Dedicated support line | ✓ | ✓ | Priority queue |
Tools for running your business
Business Online Banking
Manage multiple accounts, initiate ACH payments, approve transactions with dual authorization, and download statements. Sign on ›
Merchant services
Accept credit and debit cards in-store and online. Competitive rates starting at 2.5% + $0.10 per transaction. Next-day funding available.
Payroll services
Integrated payroll processing with direct deposit, tax filing, and employee self-service portal. Plans from $39/month.
Business credit cards
Employee cards with spending limits, category controls, and consolidated monthly reporting. Earn 1.5% cash back on all purchases.
Invoicing
Create and send professional invoices from Business Online. Track payment status and send reminders automatically.
Business loans
Term loans from $25K–$500K for equipment, expansion, or working capital. SBA 7(a) loans available for qualifying businesses.
Getting started
Choose your account
Select Business Basic, Plus, or Premium based on your transaction volume and feature needs.
Gather documents
You'll need your EIN, business formation documents (LLC articles, DBA filing), and owner identification.
Apply online or in branch
Complete the application in about 15 minutes online, or visit a branch with your documents.
Fund & operate
Make your opening deposit, set up Business Online, and start accepting payments.
Small business FAQs
What business types can open an account?
Sole proprietorships, LLCs, partnerships, S-corps, C-corps, and nonprofits with 501(c)(3) status. Non-U.S. entities may open accounts at select branches with additional documentation.
Is there a minimum opening deposit?
Business Checking requires $100 to open. Business Savings requires $500. No minimum balance requirement after opening on Basic checking.
Can I separate business and personal finances?
Yes — and you should. A dedicated business account simplifies taxes, builds business credit history, and protects personal assets. Many owners also open a business savings account for tax reserves.
How do I accept credit card payments?
Apply for merchant services through Business Online or contact our small business team at 1-800-555-2700. Approval typically takes 1–2 business days.
Do you offer SBA loans?
Yes. Prospera Credit Union is an SBA Preferred Lender, which means faster approval on SBA 7(a) and 504 loans for qualifying small businesses.