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Business

Think big about your small business

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

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:

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.

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

Getting Started

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.

Woman at atm

Business Checking

Unlimited transactions and no minimum daily balance requirements.

  • Unlimited ATM fee reimbursement
  • Deposit checks digitally
  • $5 minimum account opening requirement
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Man at computer

Business Savings

Earn dividends with no monthly service fees.

  • Available for overdraft transfers
  • Fully insured by NCUA
  • $1 minimum account opening requirement
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Civic app

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.

Advancing 2-5 Years

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.

Handing money

Business Checking

Unlimited transactions and no minimum daily balance requirements.

  • Unlimited ATM fee reimbursement
  • Deposit Checks Digitally
  • $5 minimum account opening requirement
learn more
Dollar Sign

Business Line of Credit

Access additional funds anytime you need them

  • Secured and unsecured options available
  • Minimum loan $1,000
  • Maximum loan $30,000
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save

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
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Maturing 5+ Years

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. From market leading loan options, to tools for HR and Payroll management, we’ll work to provide your organization a cohesive 360o strategy that helps streamline your operation.

Credit Cards

Business Rewards Credit Card

Owner managed and controlled employee cards

  • No annual fee
  • Consolidated statements for all cards
  • 1% cash back on all purchases
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House

Business Real Estate

Owner occupied and nonowner occupied options available

  • Purchase or refinance property
  • Loans starting at $50,000
  • No prepayment penalties
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access

HR and Payroll Management

Leverage a cloud-based employee management platform

  • Applicant tracking, hiring and onboarding
  • Benefits administration
  • Staff scheduling and shift planning
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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.

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