Locations + ATMs Video Banking Schedule An Appointment Bank + Borrow Why Verve? Learn Help Login Join Now Business Solutions BUSINESS TOOLS All the tools you need to run your business effortlessly. Payroll / Electronic Deposit Credit Card Processing Health Savings Account (HSA) View Tools BUSINESS CHECKING AND SAVINGS Spending and saving options that fit your business. Business Checking Business Savings Business Credit Cards View Accounts BUSINESS LOANS Spending and saving options that fit your business. Commercial Loan Terms Commercial Lines of Credit SBA Loans View Loans Payroll / Electronic Deposit Electronic Deposit and Payments Increase your business efficiency with electronic deposits and payments processed through the Automated Clearing House (ACH) network, including direct deposit and direct payment, can help save your company or organization time and money, while improving the satisfaction of your employees and customers. Direct deposit Even if your business has fewer than 50 employees, there are substantial benefits to offering direct deposit and direct payment. These benefits include easy set-up, improved cash flow, reduced check errors, lower processing costs and simplified reconciliation—plus, you can save a few trees in the process. Direct payment The electronic transfer of payments from customer or donor checking and savings accounts directly to your company or charitable organization’s account can help simplify the payment process for both you and your customers or donors. Direct payment is ideal for companies collecting recurring payments or charitable donations of all sizes GET STARTED Whether you need to simplify your payroll or solve payment processing challenges, Verve can help your business run like a well-oiled machine. Log into Goldleaf ACH system Notify Verve of ACH File Submission Contact Verve for ACH Assistance Holiday Closures ACH Security Framework Contact Business Team GET STARTED To begin taking advantage of credit card processing services today, contact a member of our Business team. Contact Business Team Credit Card Processing Verve brings its members the ability to process credit card transactions with partners you can trust. Accepting credit and debit card payments from your customers can open up a whole new world of payment options for your business. Some of the benefits include: More outlets to sell your product/service (online, phone, etc.) Increased sales Decreased risk of uncollected payments Quicker transaction times for your customers’ checks Health Savings Account This special savings account is designed exclusively for businesses that offer high deductible insurance plans to their employees. A Verve Health Savings Account (HSA) can make it easier for your employees to pay for high, out-of-pocket medical bills each month. Your employees make a monthly pre-tax contribution to their HSA for healthcare expenses for themselves, their spouse and/or their dependents. They can reduce their taxable income and ensure that they have money to pay for healthcare expenses when they need it. Your employees can: Grow their HSAs quickly with tiered interest rates that reward higher balances Talk to a local member service team View HSA balances with online banking access Pay themselves or their providers using convenient online, phone and debit card access to their funds Roll over unused savings from year to year GET STARTED Contact our Business team for more information on this employee benefit. Contact Business Team Small Business Checking For businesses that prefer lower minimum monthly balance restrictions, Verve offers a non-interest bearing checking account with lots of extras. Minimum Balance: $500 Earns Dividends: NO Monthly Transaction Fees for Checkwriting: 1st 50 FREE Monthly Transaction fees for deposits: 1st 50 FREE Free Online Banking: YES Free eStatements: YES Free first 10 per month bill pay: YES Free Memberline Phone Access: YES GET STARTED Get A Checking Account GET STARTED Get A Checking Account Business Checking With Interest If your business supports average monthly balances greater than $2000, consider opening a Verve Business Checking with Interest. In addition to being one of the few financial institutions that pays interest on business checking accounts, Verve also provides tiered interest rates that reward members as they grow their balances. Business Savings Business savings accounts are available to businesses for investing excess short-term cash. Business members can open up to 10 savings accounts using just one account number with unique endings, or suffixes, to provide targeted savings for things like equipment, furniture, office supplies, employee gifts and more. Minimum Balance: $100 Earns Dividends: YES Monthly Transaction fees for deposits: 1st 50 FREE Free Online Banking: YES Free eStatements: YES Free bill pay: YES Free Memberline Phone Access: YES GET STARTED Open A Business Savings GET STARTED Contact our Business team for more information about rates and APY's. Open A Business Money Market Minimum Balance: $2,500 Earns Dividends: YES Monthly Transaction fees for deposits: 1st 50 FREE Free Online Banking: YES Free eStatements: YES Free bill pay: YES Free Bank by Phone Access: YES Business Money Market Businesses that are able to maintain a higher savings balance are rewarded with tiered interest rates in a Verve Money Market account. Account Balance Dividend Rate APY $2,500.00 - $24,999.99 0.05% 0.05% $25,000.00 – $74,999.99 0.10% 0.10% $75,000.00 – $249,999.99 0.15% 0.15% $250,000.00 – $499,999.99 0.20% 0.20% $500,000.00 – $949,999.99 0.35% 0.35% $950,000.00 – $1,999,999.99 0.35% 0.35% $2,000,000.00+ 0.35% 0.35% Business MasterCard® with Rewards Get more for your business with a no-annual fee, low-interest rate variable credit card from Verve. Oh yeah, it has rewards, too. When you use your Verve Business MasterCard® to make purchases for your business, you can earn points for travel awards and merchandise redeemable through our Rewards partner. Earn purchase rewards from our Rewards partner to redeem on things like: Airline miles (many carriers like United, Continental, Delta, American and more). Car rental and hotel stays. Electronics (cell phones, monitors, etc.). Office equipment. More than 1,500 merchandise rewards in 11 different categories to choose from. GET STARTED Start your credit card application. Apply For Credit Card GET STARTED Due to rate changes and fluctuations, call John at 920.252.0683 or Va you at 608.779.2416 for current rates, or email our business team. Contact Business Team Commercial Term Loans Term loans provide a way for businesses to plan for long-term growth. They can help provide funding for equipment, assets or improvements to keep up with your growing business. Types of loans available include: Commercial Real Estate Loans Multi-family and Rental Property Loans Equipment and Vehicle Loans Business Buyout Loans Commercial Lines of Credit Lines of credit provide businesses with a great way to take advantage of opportunities when they arise or to assist with fluctuations in cash flow. They are typically repaid from your business’ receivables or cash flow. A revolving line of credit lets your business borrow, repay, and borrow again up to the original amount committed by us throughout the life of the loan. GET STARTED Due to rate changes and fluctuations, call John at 920.252.0683 or Becky at 920.230.3058 for current rates, or email our business team. Contact Business Team Not sure which solutions are right for your business? Call John at 920.252.0683 or Becky at 920.230.3058 or to email or use the contact button to send us an email. Contact Business Team Spend + Save Ways to Save Checking Accounts Wealth Management Borrow Auto + Recreational Loans Mortgage + Equity Loans Credit Cards Personal Loans Business Business Tools Business Savings Products Loans For Business What’S Happening Community Events Verve Blog Online Banking Login Join Now How Can We Help? Find A Location Reorder Checks Careers Contact Us Info Routing #275981187 NMLS 789540 Toll-Free: 800.448.9228 Mailing Address: Verve, a Credit Union P.O. Box 3046 Oshkosh, WI 54903-3046 Federally Insured by NCUA | Equal Housing Opportunity | Legal + Disclosures