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Business Banking
Love where your business banks.
Built for Utah Businesses. Backed by People Who Live Here.
UCCU offers business banking solutions designed to help you launch, grow, and thrive—right here in your community.
Business Checking & Savings
Accounts to fit the needs of your business.
Business Credit Cards
Finding the right card for your business needs
Business Services
Payroll & ACH services, Invoicing, digital banking, insurance, and more
Why Utah Businesses Choose UCCU
What Sets Us Apart:
Local Roots. Real Relationships. Proven Results.
As a not-for-profit credit union proudly founded in Utah, UCCU is more than a financial institution—we’re a community partner. We understand the unique challenges and opportunities of doing business along the Wasatch Front, and we’re here to help you navigate them with confidence.
- Local Decision-Making
Work with people who live and work in your community—no call centers, no corporate red tape. - Member-First Philosophy
As a credit union, we exist to serve our members—not shareholders. That means better rates, fewer fees, and more personalized service. - Real Support from Real People
Whether you’re opening your first account or expanding your operations, our business experts are here to guide you every step of the way. - Built for Growth
From flexible checking accounts to powerful business services, we offer the tools and resources to help your business thrive.
Talk to a Business Expert
Talk to a UCCU expert and find the best option for you and your business.
(801) 223-7665 | [email protected]
Available Monday – Friday 9 am – 5:30 pm
Get Paid Faster, Smarter, and More Securely
Flexible payment solutions to keep your business moving.
Whether you’re sending invoices, accepting card payments, or managing recurring billing, UCCU offers tools and services that make getting paid simple, fast, and secure.
What You’ll Get:
- Invoicing Tools
Create and send professional invoices directly from your account, with tracking and reminders to help you stay on top of receivables. - Merchant Services & Mobile Payment Options
Accept payments in person, online, or over the phone with secure, affordable credit card processing and point-of-sale solutions. Make payments on the go with mobile card readers and digital wallet compatibility. - ACH & Recurring Payments
Set up automated payments for clients and customers, reducing manual work and improving cash flow consistency. - Business Sweep Accounts
Maximize your cash flow by automatically transferring excess funds between accounts—helping you earn interest or reduce loan balances without lifting a finger.
Bank Anywhere, Manage Everything
Modern tools. Local support. Total control.
UCCU’s digital banking solutions give you the freedom to manage your business finances from anywhere—without sacrificing the personal service you expect from a local credit union.
What You’ll Get:
- Mobile Banking & Remote Deposits
Deposit checks, transfer funds, and monitor your accounts from your phone—whether you’re in the office or on the go. - Online Account Management
Access your business accounts 24/7 with secure, easy-to-use tools that help you stay organized and in control. - Team Access & Permissions
Give your accountant or team members secure access with customizable permissions—so everyone has what they need, and nothing they don’t. - Advanced Security Features
Protect your business with multi-factor authentication, data encryption, and fraud monitoring.
Flexible Financing for Every Stage of Business
Business Loans
Fuel your growth with financing that fits.
Whether you’re expanding your team, upgrading equipment, or launching a new location, UCCU offers business loans with competitive rates and personalized support.
What You’ll Get:
- Lines of credit to manage cash flow
- Low interest rates and flexible terms
- Fast approvals with local decision-making
- Equipment, vehicle, and working capital loans
Commercial Loans
Big plans? We’re ready to help.
From real estate development to large-scale investments, UCCU’s commercial lending team provides tailored solutions backed by deep local expertise.
What You’ll Get:
- Dedicated commercial lending specialists
- Commercial real estate and construction loans
- Investment property financing
- SBA loan options
What professional checking accounts are available?
We offer four main checking accounts there to meet your needs. For full information visit our Business Checking Account Page
- Basic Checking
- Growth Checking
- Premier Checking
- Enterprise Checking
We offer a diverse range of professional checking accounts, each tailored to the needs of different business structures, including sole proprietorships and larger enterprises. Business owners looking to open a business checking account can choose from options like our Basic Business Checking, ideal for managing a lower volume of transactions with essential features such as debit card purchases.
Our Premium Business Checking, which supports higher volumes of transactions and card payments. Each account comes with the best online banking tools, facilitating easy management of both your business and your business savings account.
Are there non-waivable maintenance fees in connection to a professional checking account?
No. All UCCU Business accounts have waivable maintenance fees from simply signing up for e-statements (Basic Checking) or having an average monetary balance within your checking account depending on the level of account you choose. We strive to support business owners with transparent fee structures and essential business tools to manage their finances effectively. For detailed information, we recommend reviewing the fee schedule associated with each type of business bank account.
Can I open a professional account while also having a personal account?
Yes, at UCCU, business owners can easily manage both a professional checking account and a personal checking account concurrently. This separation is beneficial for maintaining clear distinctions between personal finances and business transactions, which is especially important for sole proprietorships and other small businesses. UCCU provides robust support for business accounts, including facilities for cash deposits, card payments, and extensive business tools. By choosing to open a business checking account and a personal account with us, you benefit from coordinated account management, potentially lower banking fees, and the convenience of having all your financial services accessible under one roof. Plus, pairing your checking accounts with a business savings account can further enhance your financial management and growth potential.
We’re here to help
*Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. Federally insured by NCUA.
*Lowest rates certified by Datatrac LLC.