ROUTING NUMBER: 307070050
Enhanced Business Services
Coming Spring 2026
Grow Confident With Expanded Business Tools
You asked for stronger business solutions—so we’re delivering. Beginning Spring 2026, Kirtland Credit Union is enhancing our Business Services suite to better support your daily operations and long-term growth.
What's Coming
- Improved business checking options
- More flexible credit and lending solutions
- Faster access to funds
- Support for payroll and payment processing
- Personalized guidance from our Business Services team
These upgrades are designed to help your business operate efficiently and grow with confidence.
Our team will connect with you in the coming months to learn about your business and guide you through your tailored options.
Important Dates
To help you plan for the upcoming enhancements, here’s a quick overview of the important dates in our rollout timeline.
February & March 2026
You’ll start receiving important updates about the transition to our enhanced Business Services suite.
April 2026 - December 2026
We’ll work closely with each Business Account holder to schedule a meeting and guide you through your personalized transition plan.
December 2026 - Transition Completed
This marks the deadline for all Business Services accounts to complete the transition to the upgraded suite of services.
Ready to Start Now?
Book time with a Business Services specialist to review upcoming enhancements and identify the solutions that best fit your business needs.
Frequently Asked Questions
How do I prepare for my initial meeting with Business Services
Initial meeting with Kirtland CU Business Services team agenda:
- We will be reviewing your account to ensure that all proper and needed documentation is on file. This helps us to truly understand your business structure and who should have access to what. If you are missing documentation, we will be asking for updated copies or additional information.
- If you are currently primarily banking with another financial institution, we will be requesting the last two months of bank statements. This will give us a chance to review what you have with them, compare what we can offer you and complete a proposal to compare.
- It is very helpful for all decision makers of the business/organization to attend the initial meeting. That way we get a full picture of how we can become a great financial partner for you and your specific needs.
What is a business account?
A business account is open under a business name, not a person’s name. A business account helps you manage your company’s money separately from your personal finances.
What types of businesses can open an account?
We support many business types, including:
- Sole proprietors
- Partnerships
- LLCs
- Corporations (including nonprofits)
- Associations and organizations
Can I use my personal account for business needs?
No. Business activity must be done through a business account because they follow specific federal regulations and have different fee structures.
Can I keep my personal account if I open a business account?
Yes. You can keep both personal and business accounts and each needs to be used for its intended purpose.
Do I need to already be a member to open a business account?
No, you can become a member when you open your business account. However, membership eligibility is required.
Will I be able to see my business account in Online Banking?
Yes. Our Business Services team will help activate business online access and help walk you through our features and benefits and how to give others access as needed.
Can I transfer money between my personal and business accounts?
Yes. You can move money the following ways:
- Online under “Make a Transfer”
- Via chat
- In person at any of our branches
- Tellerphone 800.880.8277
- Contacting the call center 800.880.5328
Is mobile banking available for business accounts?
Will I receive a debit card for my business account?
Absolutely! Please request one when you convert your account.
Can I have more than one business debit card?
Yes. One card per authorized individual with access to the checking account.
Can employees or other signers receive debit cards?
Yes. We can issue a debit card to others who are granted access to the checking account and are authorized to have a debit card.
Can I use a business debit card internationally?
Yes. However, other financial institutions may charge an added fee for the use of their ATMs, or the merchant you are using may charge fees.
What should I do if my card is lost or stolen?
The business owner/control person(s) must report the card lost or stolen immediately so we can shut the card off and protect the account.
How to report it:
- Call the contact center during business hours at 1-800-880-5328. We can block the card right away and order a replacement.
- Chat with us – The owner may contact us through online or mobile banking chat, and we can close the card for them.
- After hours call 1-800-880-5328. If the main number is called after hours, it will allow you to be transferred to our 24-hour card services team.
- Visit a branch- The owner may also come into a branch for assistance.
What card limits and controls are available for business debit cards?
Daily purchase and ATM limits do exist, please follow up with your Business Account specialist.
How often will I receive statements?
You will receive your statements monthly, and you can choose to have them delivered electronically to your email or by mail. Please note that if you choose a paper statement fees will apply. To receive them electronically go to “Documents and Statements” and choose the “paperless setting” option.
Are business account statements separate from personal statements?
Yes. Statements are separate for each account. You should expect to receive individual statements for each account. Preferences on how to receive them need to be selected for each account.
Can I access past statements online?
Yes. You can access them under “Documents and Statements”. You can access the past seven years. You can click on the statements and download them.
Will interest earned be reported for tax purposes?
Yes, interest will be reported for interest-earning business accounts such as savings, money markets, and CDs. You can view them online or in our mobile app under “Documents and Statements”, click on “Tax Forms and Notices”.
Can I order business checks?
Yes, you can order business checks, however they will be in your business name. You can order them online, over the phone, or by the vendor of your choice.
Can I use online bill pay?
Yes, Business Checking Accounts can use online Bill Pay through online or mobile banking and perform the following:
- You can schedule one-time or recurring payments
- Send payments to companies or individuals
- Manage payments without writing checks
Payments can be sent electronically or by mail depending on the payee. Mail payments can take up to 7-10 days.
Can I set up recurring payments?
Yes, you can set up recurring Bill Pay. You can also schedule recurring transfers between your accounts through online or mobile banking under the “Make a Transfer” tab.
- Recurring Transfers– moves money between accounts
- Bill Pay– sends a payment to a company or person
Can I write a check payable to myself?
A business can write a check from the business account payable to themselves personally. The check should be written from the business account, and the check needs to be signed by someone who is authorized to transact on the account.
How can I deposit money into my business account?
Yes. Available deposit methods:
- ATM Deposit
- Both Checks and Cash
- In-Branch Deposit
- Cash deposits
- Check deposits
- If the branch has a night drop you may deposit in the box and it will be credited the next business day.
- Wire Transfers
- Funds can be sent directly into the business account via wire transfer
- ACH transfer
- Electronic payments can be received through ACH transfers from other financial institutions.
- Mobile check deposit
- Checks can be deposited through mobile banking using the remote deposit feature.
- Be sure to indicate on the check “For Mobile Deposit Only”
Are there limits on deposits or transactions?
Yes, Limits may apply depending on the type of transaction and how it is performed. Your Business Account specialist can assist you further .
Please note, some services have:
- Cutoff times
- Daily limits
- Approval requirements
Will there be holds on deposits?
Yes, all deposits are subject to review and may be placed on hold. Cash deposits are typically available sooner, but all deposits are subject to review.
Is there a minimum balance requirement?
Yes. Requirements depend on the business account you choose. We offer the following business account types:
- Accelerate
- Enterprise
- Prosper
Your Business Account specialist will collaborate with you to determine the best type of account based on your needs.
Are there monthly service fees?
Yes, monthly service fees apply, and the amount varies by account type.
Are fees different from personal accounts?
Yes. Business Account fees are different because they are structured for commercial use.
Are business accounts federally insured?
Yes, Business Accounts are federally insured up to $250,000.
What fraud protection is available for business accounts?
We offer fraud protection tools for business accounts, including Positive Pay. Enrollment is required, and fees apply. Positive Pay is a security service that helps protect your business from fraudulent checks and ACH transactions.
Can I set up transaction alerts?
Yes, you can click on “Alerts” in online banking and choose from a selection of alerts available.
What should I do if I see unauthorized activity?
Contact us immediately so we can secure the account. Contact us at [email protected]
How do I make changes to my business account?
Changes will need to be made directly with Business and Treasury Services. For help with account updates contact [email protected]
What happens if my business closes?
We allow you to make the choice to keep the account open or not.
Do you offer ACH transfers?
Yes, business accounts can both send and receive ACH and wire transfers. Enrollment for access and send ACH and wires via the online banking platform is required and fees apply. Please get in touch with your Business Services account specialist for more details. Contact us at [email protected]
- ACH transfers are electronic payments processed through the banking network
- Wire transfers are direct bank to bank transfers
Do you offer merchant services or payment processing?
Yes, we do offer merchant services to support businesses. Enrollment is required and fees apply. Please contact Business Services for more details at [email protected]
Are business savings or money market accounts available?
Yes, we offer both. A business savings account is great for setting money aside. A money market account allows you to earn more while still having access to the funds when you need them.
Who can I contact with questions?
Our Business Accounts team is here to support you: [email protected]
If you send them an email with your business name and question, they will guide you through the process.
What are the hours of Business Services?
Business Services at Kirtland Credit Union are open Monday through Friday, from 8:00 AM to 5:00 PM.
