Running a small business involves juggling countless details, especially expenses. We're here to make it easier so you can focus on what you do best. Our Business Checking Solution is designed to help your small business thrive with hassle-free banking and exceptional service.

Key Features

• No Minimum Balance
• No Monthly Fees*
• No Per-Check Fees
• Free Online Banking
• Free Bill Pay
• Free Mobile Banking
• Free VISA^® Debit Card
• Added Deposit Protection

Exclusive Benefits

• Unlimited ATM Usage
• Verified by VISA^® Protection
• Mobile Wallet Integration

Ready to open a new account for your business? Let's get started and boost your efficiency! Stop by any of our branches, and our knowledgeable team will assist you throughout the entire process. Here's what you need to bring:

• LLC or Corporate Documents
  • Articles of Administration from Sunbiz. Please note: The individuals who are listed in the Articles must be present at the time of opening the account.
  • Business EIN Verification Letter from Internal Revenue Service (IRS), if applicable.
• Proof of identification (ID) for authorized account users.
• Minimum deposit of $5 for your Business Savings account.

At Innovations FCU, we are dedicated to supporting the growth of local businesses with exceptional member service. Visit any branch or call us at (850) 233-4400 to get started.

We offer secure, efficient, and cost-effective tools to help businesses streamline payments, protect against fraud, and manage cash flow with confidence. Two of our most valuable services for business members are ACH Payments and Positive Pay.

ACH Payments

ACH (Automated Clearing House) payments provide a fast, secure, and affordable way to move money electronically. Instead of writing checks or sending costly wire transfers, funds are deposited directly into bank accounts — saving time and reducing manual processing.

Why Businesses Love ACH:

• Direct Deposit
• Simplified Payments
• Easy Recurring Payments
• Lower Costs
  Cheaper than credit cards or wire transfers.
• Faster Funding
  Most payments clear in 1 — 2 business days.
• Extra Security
  Safer than using paper checks.

Positive Pay — Check & ACH Debit Protection

Positive Pay is an advanced fraud prevention tool designed to help protect your business from unauthorized check and ACH debit activity. For checks, the system automatically compares items presented for payment against check details you've issued, reviewing information such as payee name, account number, amount, and date. For ACH debits, you can establish custom filter rules that allow only authorized transactions to post to your account. Any items that do not match your approved criteria can be flagged for your review.

Why Positive Pay Matters:

• Fraud Protection
  Help detect altered, counterfeit, unauthorized checks and suspicious ACH debit activity.
• Greater Control
  Review and manage check and ACH exceptions before transactions are processed.
• Payment Protection
  Help safeguard vendor payments, payroll activity, and recurring ACH transactions.
• Peace of Mind
  Reduce financial risk with automated monitoring and customizable account controls.
• ACH Filter Rules
  Create custom rules that allow only approved ACH debit transactions to post to your account.
• Flexible Business Security
  Support businesses with multiple users, payment types, and transaction channels.

Visit any branch or call us at (850) 233-4400 to get started.

Traveling? Notify us at (850) 233-4400 or via Mobile Banking to prevent purchase blocks. Use Card Controls to manage your cards.

Say goodbye to unnecessary fees and focus on growing your small business. Visit any Innovations branch or contact us at (850) 233-4400 to get started.