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Think big about your small business

A fresh perspective can help you find solutions to your small business challenges.

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Better Business Banking

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:

 

Free 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.

Need suggestions on where to start? We’ve matched popular solutions with different business stages. Explore the options below to

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. 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.

Civic online banking and mobile app screens for bill pay, account dashboard and financial wellness.

Getting started

Small business owner depositing check into his Business Checking Account.

Business Checking Account

Hardworking Business Checking 
Open this business checking account to organize, manage, and power your business.

  • $5 minimum account opening deposit
  • Unlimited transactions, no daily balance requirements
  • Earn dividends on your business checking balance
  • Nationwide unlimited ATM fee reimbursement
Business owner looking at all the digital tools Civic offers to manage her Civic Business Choice Certificate.

Business Choice Certificate

Business funds, guaranteed growth

  • Minimum deposit amount $500 
  • Dividend payments can be re-invested or paid out 
  • Plan for business goals 
  • Earn more on your business funds

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.

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Advancing 2-5 years

Young business woman in a meeting discussing Civc's Business Line of Credit.

Business Line of Credit

On-demand business funding

  • Low business line of credit rates 
  • Revolving access starts at $1,000 
  • Maximum of $30,000 (unsecured only) 
  • Get consistent access to funding
Young woman small business owner utilizing the digital tools Civic provides to manage her business money.

Business Money Market

High-yield business savings

  • $500 minimum opening deposit 
  • Earn 2.75% dividends with balance above $500 
  • Dividends are compounded daily and paid monthly 
  • No penalties to access funds, ever

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.

man sitting at a coffee shop on his computer

Maturing 5+ years

Smiling young Asian woman shopping online with her Civic Business Rewards Credit Card.

Business Rewards Credit Card

Charging up business

  • Flexible spending limits from $1,000 to $30,000 
  • 1% back on your purchases, in rewards points 
  • Real-time spending and location-based alerts 
  • No application, annual, transfer, or cash advance fees
Smiling small business owner showing open sign in her new shop purchased with Civic Business Real Estate Loan.

Business Real Estate Loan

Run your business as a property owner instead of renter, with a Business Real Estate Loan.

  • Business Real Estate Loan terms up to 10 years 
  • Amortization options up to 30 years 
  • Up to 70% or 80% LTV available 
  • No pre-payment penalties, just applause

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.

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