Small Business Services

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If you’re a business owner looking for lower-cost financial services, free networking and education, we have a lot to offer you.

Business Checking

Business Finance-
Works

Business Directory

Small Business Education

Business Checking
All Business Checking accounts now include Small Business FinanceWorks – a suite of powerful tools to simplify the way you manage business finances. Additional benefits include access to our online Business Directory, discounts on check orders, and complimentary educational seminars.

	Minimum opening balance	$100
	Monthly service charge	$12 per month¹
	Check orders	$25 off your very first order then $15 off any order thereafter
	Complimentary ATM/Debit Card	Business Classic
	Free ATM use²	Unlimited access
	Online Banking with Bill Payer	Unlimited access
	Statements	Paper or eStatements

Other Features:

	Small Business FinanceWorks™	Small Business FinanceWorks is a suite of online tools designed to meet the unique needs you have as a small business owner including invoicing, merchant services, payroll, and legal resources³. Click here to view demo.
	Small business education	Complimentary business seminars at ACU locations provided by SCORE® a $60 value
	Business Directory	Complimentary access to our Business Directory to network with other ACU business members

Types of Business Accounts and Paperwork Requirements

Type of Business	Description	Documents Needed
Sole Proprietorship	a business with one owner	current business license fictitious name statement (if any)
General Partnership	a business with two or more owners	current business license fictitious name statement (if any)
Corporation	a legal entity that acts to shield individual(s) from personal liability for the acts and debts of the business. Businesses may also form a corporation because they want to raise capital by selling stock.	Articles of Incorporation fictitious name statement (if any) corporation resolution authorizing establishments of financial institution accounts⁴
Limited Liability Company (LLC)	a legal entity that acts to shield individual(s) from personal liability for the acts and debts of the business.	Articles of Incorporation fictitious name statement (if any)
Limited Liability Partnership (LLP)	similar to an LLC, but its owners are architects, doctors, lawyers or accountants	LLP registration certificate fictitious name statement (if any)
Unincorporated Association	usually an informal group that needs a financial institution account for the purposes of collecting funds and paying expenses	resolution authorizing establishment of financial institution accounts.⁴

[1] Please see our Fee Schedule for a comprehensive list of all service fees.
[2] Alliance Credit Union will not charge you a fee to use another financial institution’s ATM. However, other financial institution charges may apply.
[3] Fees for some tools vary and are subject to change. Billing Manager and Remote Deposit are complimentary services with all Business Checking accounts. Merchant Services (credit card processing) includes a monthly service fee plus all applicable transaction fees. Payroll services and legal resources fees vary. Please visit the Small Business FinanceWorks section within online banking for complete details.
[4] In lieu resolution, you may use the resolution form on the application/agreement card

Your savings are federally insured by the National Credit Union Administration to at least $250,000. Learn more.

Small Business FinanceWorks™
Small Business FinanceWorks (SBFW) is a suite of online tools designed to meet the unique needs you have as a small business owner including invoicing, merchant services, payroll, and legal resources.¹

SBFW features

Billing Manager – track and send invoices
Billing Manager streamlines your billing process, making it easy to create, send and follow up on invoices online. Plus, its contact management tools keep you organized, while automatic payment reminders ensure that you get paid on time, every time.
My Deposit – deposit checks online
With My Deposit, you can make deposits directly to your account with just a regular scanner and our secure online banking site. Gain faster access to funds, plus save gas and time by skipping trips to the ATM or tellers.
Merchant Services¹ – accept credit card payments
Billing Manager with Merchant Services is a complete solution for accepting credit cards, online, in person or over the phone.
Online payroll¹ – run payroll online in just a few clicks
With online payroll, you can pay employees easily, pay payroll taxes instantly, and confidently handle tax forms.
MyCorporation¹ - protect and maintain your business
For everything from filing your DBA, to incorporating or forming an LLC, MyCorporation delivers the legal resources you need, without the high legal fees.

[1] Fees for some tools vary and are subject to change. Billing Manager and Remote Deposit are complimentary services with all Business Checking accounts. Merchant Services (credit card processing) includes a monthly service fee plus all applicable transaction fees. Payroll services and legal resources fees vary. Please visit the Small Business FinanceWorks section within online banking for complete details.

Business Directory
Alliance Credit Union’s Business Directory is an excellent way to network with other business owners in your community that are also Alliance members.

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We know how important it is to network with other business owners. At Alliance Credit Union we want to make it easier for you to find and meet each other. What better way is there then to bring you together through a business site? Alliance Credit Union’s Business Directory is an excellent way to network with other business owners in your community that are also Alliance members.

Find a neighborhood supplier or a consultant. Hire a company to do your payroll or provide tax advice. You’re all Alliance members so why not help each other?

Business helping business, just like people helping people—the credit union way.

*You will be required to read and accept the terms and conditions before your enrollment is complete.

Small Business Education
Alliance Credit Union has partnered with Silicon Valley SCORE® to offer our members free Business Seminars.

Silicon Valley SCORE® provides:

	Free Confidential Counseling by Appointment
	Workshops and Seminars: Business Plans, Taxes, Cash Control Insurance, Marketing, Accounting, Business Law Mentoring for an Existing Business
	E-mail Counseling
	Speaker Bureau
	Business Library (at their office)

For more information about Silicon Valley SCORE® please call 408.288.8479 or visit their Web site at www.svscore.org.