Better Business Accounts You Can Bank On

Manage your business’s finances with ease.

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Thrive at Full Throttle

There’s a reason small business owners choose ORNL FCU for their banking. We offer all the essentials you need and keep those offerings simple and inexpensive. That way, you can focus on what you do best — operating and growing your business.

Online Banking

Pay bills, transfer funds, and manage cards from your digital device.

Mobile App

Bank with us anywhere you go with our free, secure app.

ATMs

Access to 30,000 fee-free ATMs nationwide.

Secure Debit Card

All of our debit cards are equipped with secure EMV chips.

eStatements

Enroll in paperless statements for fast, secure updates.

Small Business Checking

$50 initial deposit.
No minimum balance required.
No monthly service fees.
Up to 100 transactions monthly with no charge.

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Business Checking

$100 initial deposit.
No withdrawal limits.
Minimum daily balance of $1,500.
Up to 350 transactions monthly with no charge.

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Volume Analysis Checking

$100 initial deposit.
No withdrawal limits.
$15 monthly service charge.
Eligible to earn “Earnings Credit” that can offset monthly service and/or transaction charges.
Monthly analysis statement.

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Make Business Expenditures Anywhere You Go

The ORNL FCU Business Visa Debit Card is a quick and easy way to pay for your everyday business expenses. And best of all, it comes free with your Business Checking Account.

Frequently Asked Questions

Business checking accounts allow you to have all of your business’s funds and financial records in one place — something that’s especially helpful when it’s time to file taxes, manage company expenses and profits, and more.
A business checking account enables you to easily accept all customer payments, increase customer trust, and can protect against personal liability.
At ORNL FCU, you can easily manage your business checking account with our online and mobile banking options and thousands of easily accessible, fee-free ATMs nationwide.
With a business checking account you can make withdrawals, transfers, and deposits. You can also accept customer payments through a third-party merchant service provider.
Our partnership with Atlantic Merchant Services enables you to save on payment processing costs, receive payments within 24–48 hours, protect your customer’s sensitive data, and more.
- Business license, ownership agreements, and formation documents
- Employer Identification Number (EIN) or, if you are a sole proprietorship, your Social Security number
- Personal identification documents
All of our debit cards are secured with EMV-chips, and we offer eStatements for increased protection. Our mobile banking app secures your account information through biometric authentication capabilities such as face ID and fingerprint recognition.
What’s more, we offer fraud protection, guarantee PCI DSS compliance, and keep every customer transaction secure through our partnership with Atlantic Merchant Services.

Better Business Accounts You Can Bank On

Manage your business’s finances with ease.

Thrive at Full Throttle

There’s a reason small business owners choose ORNL FCU for their banking. We offer all the essentials you need and keep those offerings simple and inexpensive. That way, you can focus on what you do best — operating and growing your business.

Online Banking

Mobile App

ATMs

Secure Debit Card

eStatements

Small Business Checking

Business Checking

Volume Analysis Checking

Make Business Expenditures Anywhere You Go

Frequently Asked Questions

What are the benefits of a business checking account?

What can I do with my business checking account?

What’s required to open a business checking account at ORNL FCU?

Are ORNL FCU’s business checking accounts secure?

How can I open a business checking account with ORNL FCU?