Business Accounts

Business Savings
With an initial deposit of $5, you become an MFCU member and can continue to build your savings from your initial deposit.

Business Checking Account
With your business checking account, you will have no minimum balance requirements and no item limit. This account works for businesses big and small.

Non-Profit Checking
We have created a $0 fee account for our Non-Profit community. Take advantage of a tiered dividend earning rate on your daily average balance.

Professional Services Account
If your business needs an account that holds funds, this account is a perfect solution. No fee, no dividend accrual, and no minimum balance requirements.

Interest on Lawyer Trust Accounts – IOLTA
For lawyers who are required to open an IOLTA Trust Account, MFCU can handle the request. Dividends are accrued and paid to the Montana Justice Foundation at no fee.

To open your Business Checking Account:

Visit any branch and bring your Articles of Organization, Articles of Incorporation, or Assumed Business Name registration and your Tax ID Number (EIN). If your business has principals who will not be signers on the account, you must provide an operating agreement showing which principals can conduct banking operations or a letter from the non-participating principals stating that they are aware an account is being opened. If you would like a sample letter, please contact us at 406-523-3300.

The Articles of Organization or Incorporation for LLPs, for LLCs and Corporations and the Montana Assumed Business Name registration for sole proprietors can be found on the Montana Secretary of State web site.

You can obtain your original documents by completing the form at the above web address and mailing it to the Secretary of State with a stamped, self-addressed envelope.

Business Services

Merchant Services
Let us help you easily accept card payments from your customers.

SwiftNote Financing
We can help you provide financing for your customers with our local SwiftNote Financing program. It is completely free for your business and easy to get started.

Pay your employees with Direct Deposit. Send and receive payments electronically.

Online Banking
Providing secure online account access at any time to check balances, make transfers, pay bills, and view statements.

Local Rewards Program: Buzz Points
Buzz Points is a rewards program that lets our members earn points by using their MFCU debit and credit cards. What makes it special is that the programs center on local businesses rather than the more typical cash rewards, flight rewards or hotel rewards.

How it Works
The program is free to our members. They just need to enroll. Every time they use their MFCU debit and credit cards they earn points. They earn more points for shopping at local businesses that are participating in the program. And the points that they earn can only be redeemed at participating businesses or as contributions to local charities. So it’s a great way to achieve three things:

  • Encourage credit union members to use credit union debit and credit cards
  • Encourage credit union members to choose local over national or international businesses
  • Strengthen the local economy by keeping money circulating here at home

Questions about our business services?

David Rook

David Rook

Senior Vice President of Business Banking

3600 Brooks St, Missoula, MT
Tony Catania Commercial Loan Officer

Tony Catania

Commercial Loan Officer

2610 North Reserve St, Missoula, MT