Business Overview
Think big about your small business
A fresh perspective can help you find solutions to your small business challenges.
No more complicated products
Let’s keep things simple. Our approach is designed for you to spend less time worrying about financials and more time growing your business. Here’s what makes Civic different:
Fee Structure
Your money should be working for you. We have worked to remove any unnecessary fees. Where fees do apply, they are clearly labeled for you.
Consultative Approach
You are not alone. New or veteran businesses can count on the same level of support from our teams. Have questions or need suggestions, we are ready to help.
Product Synergy
The more products or services you use, the more time and money you will save. These products all work together to give you a best-in-class business experience.
Hit the ground running
Having a foundational Business Checking and Savings account is a vital step in managing your business cash flow. Dedicated business accounts allow for easier expense tracking and tax filing.
Business Checking
Unlimited transactions and no minimum daily balance requirements.
- Unlimited ATM fee reimbursement
- Deposit checks digitally
- $5 minimum account opening requirement
Business Savings
Earn dividends with no monthly service fees.
- Available for overdraft transfers
- Fully insured by NCUA
- $1 minimum account opening requirement
The Civic Business Checking and Savings account get you access to business checks, bill pay and automated spending reports. Download the Civic app or register for online banking and you can manage your business anytime and from anywhere.
Gearing up for growth
To pursue aggressive growth opportunities, you need diverse options. From operational accounts that allow for faster in-person, online and invoice payment mechanisms, to loan accounts that give you access to more capital, we have options designed to grow your business.
Business Checking
Unlimited transactions and no minimum daily balance requirements.
- Unlimited ATM fee reimbursement
- Deposit Checks Digitally
- $5 minimum account opening requirement
Business Line of Credit
Access additional funds anytime you need them
- Secured and unsecured options available
- Minimum loan $1,000
- Maximum loan $30,000
Business Payment Processing
Give your customers a fast and secure checkout experience
- Accept many different forms of payment
- Access deposits as soon as next day
- PCI-DSS certified payment processing
Preparing for long term success
As your business grows, your needs change. Our business development team can work with you on custom solutions that address the full spectrum of your needs. We’ll work to provide your organization a cohesive 360o strategy that helps streamline your operation.
Business Rewards Credit Card
Owner managed and controlled employee cards
- No annual fee1
- Consolidated statements for all cards2
- 1% back in rewards points3
Business Real Estate
Owner occupied and nonowner occupied options available
- Purchase or refinance property
- Loans starting at $50,0004
- No prepayment penalties
Business Line of Credit
On-demand access to funding5
- Flexible access through online banking and our mobile app, to transfer the funds into a Civic account
- Can serve as a consistent source of capital for your long-term planning
- Payments based on the money you use
Is my business eligible?
During the account opening process, we’ll help you determine the eligibility method that works best for your business structure. Be sure to review the forms section for more information on business requirements.
We're here to help.
1 Other fees and restrictions may apply. Get details.
2 Civic provides eStatements at no cost to account holders. Paper statements are available for a fee of $5 per month.
3 Subject to approval. Rate and credit limit are evaluated based on member’s credit history; rates are subject to change. Accounts eligible for this program earn 1% in rewards points for each dollar spent in qualifying new purchases, less returns. See full details and exclusions for the Civic Business Rewards program.
4 All Real Estate Loans are subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Member pays document preparation fee. Please contact a Business Development Team member for details.
5 All Business Lines of Credit are subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Member pays document preparation fee. All rates and offers are subject to change. Please contact a Business Development Team member for details.