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Business Checking

Save money & conveniently run your business on-the-go

Send us an email at business@blucurrent.org, give us a call or use our Video Banking to open your business checking account today.

A business owner is launching video banking to open a business checking account.

Business Credit Cards

Your Business deserves better banking! Take your business to new heights with no monthly fee Business Checking Account in Southwest Missouri that makes it easy to manage your fiances.

Easily and securely take care of banking tasks while your are on the go wih our free mobile banking app, and enjoy other features that simplify your finances. Sign up for Business Checking Account today and experience hassle-free banking that puts your business's needs first.

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A woman opening up her shop for business.

Flexible Checking for Your Growing Business

No minimum balance: Stop worrying about minimum account balance fees with cash flow fluctuations.
No Monthly Service Charge: More of your hard-earned money stays in your account, which you can use to reinvest in your business or for other business needs.
Complimentary Business Debit Card and Box of Checks: Start making debit card transactions right away and enjoy free customized checks for vendors and other payments.
Free Online Banking: Easily manage your account online and take care of many banking tasks without visiting a branch.
Free Mobile Banking App, Featuring Remote Check Deposit: Conveniently check your account balance, view recent transactions, deposit checks, and take care of other banking tasks anywhere, anytime.

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Two business partners discussing different credit union business checking accounts.

Business Checking that Works as Hard as You Do

Growing a successful business requires time, dedication, planning, and the right support and tools. Our credit union Business Checking Account simplifies banking and provides you with the financial resources you need to take your organization to the next level

Additional features of our Business Checking Accounts include:

Direct Deposit: Save trips to a branch and have funds deposited into your account automatically. Enjoy same-day access to your money and stop worrying about checks getting lost, stolen, or delayed.
eStatements: Easily monitor your account activity while contributing to a more sustainable future by reducing paper waste.
BillPay: Schedule and pay your bills with our free mobile banking app so you never miss a payment or get hit with a late fee.
eAlerts: Set up alerts to be notified of low balances, large transactions, and other important account activities.
Local Deposits:: Your deposits stay within the local Southwest Missouri community.

Click the button below to partner with us on your business’s success. Open a business checking account today and receive personalized support for all of your business banking needs!

Launch Request Form

Ready to Open Your Business CD?

Step

Apply

Conveniently apply online, by email, through Video Banking, by phone, or drop by a branch

Step

We will Contact You

We will let you know when your new account is ready, which is typically within one business day.

Step

Fund Your Account

Deposit funds into your account and start using it for all of your business needs!

Launch Request Form

What our Members Have to Say

Starting a New Business?

Starting a business can seem challenging and it’s not always easy to know where to begin. To help us assist you, do you know the type of business entity that you are starting?

Have an Existing Business?

If you're an experienced business owner already, and know what type of business entity you have...Click below to learn more about the paperwork required to move forward with a business account at BluCurrent.

A limited liability company is a business structure that protects its owners from personal responsibility for its debts and liabilities.

A sole proprietorship is a non-registered unincorporated business run solely by one individual proprietor with no distinction between the business and its owner.

A Corporation is an independent legal entity owned by its shareholders.

A Non-Profit is a group organized for purposes other than generating profit and in which no part of the organization’s income is distributed to its members.

A Club is an association of people united by a common interest or goal.

A Partnership is an arrangement between two or more people to oversee business operations and share in its profit and liabilities.

Public funds are funds from government entities, such as school district, water district, library district, city, county, and state entities.

Limited Liability Company (LLC)

A limited liability company is a business structure that protects its owners from personal responsibility for its debts and liabilities.

What items are needed to set up an LLC?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your LLC without assistance, there are various resources available to you online.

1. Article of Organization

These are needed to officially register your business name as an official entity with the state of Missouri
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

This is needed to give your LLC a separate Tax Identification Number (TIN).
For more information, see the IRS website: www.irs.gov

3. Operating Agreement

This is the governing document of your LLC. It outlines the business' financial and functional decisions including rules, structure, ownership, operations, regulations, and provisions

4. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Sole Proprietorship

A sole proprietorship is a non-registered unincorporated business run solely by one individual proprietor with no distinction between the business and its owner.

What items are needed to start a Sole Proprietorship?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your sole proprietorship without assistance, there are various resources available to you online.

1. Fictitious Name Filing (if applicable)

This will allow you to conduct business and accept checks to a name other than the sole proprietors name.
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form(if not reporting under your personal SSN)

For more information, see the IRS website: www.irs.gov

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Corporation

A corporation is a type of business entity that is owned by its shareholders. There are two different types of corporations, which are S-Corporations and C-Corporations. A C-Corporation is subject to corporate taxes and has no restrictions on ownership. An S-Corporation is a pass-through entity that reports its profits on the owners’ personal taxes, and ownership is restricted up to 100 shareholders.

What items are needed to set up a Corporation?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your corporation without assistance, there are various resources available to you online.

1. Articles of Incorporation

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Bylaws

4. Corporate Resolution

5. Evidence of Ownership (Stock Ownership or Share Certificates)

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Non-Profit

A non-profit is a group organized for purposes other than generating profit, and in which no part of the organization’s income is distributed to its members. Common examples of non-profits include churches, public charities, and volunteer organizations, among others.

What items are needed to set up a Non-Profit?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your non-profit without assistance, there are various resources available to you online.

1. Articles of Incorporation of a Nonprofit Organization

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. 501c3 paperwork

Tax exempt status letter

4 Bylaws

5. Meeting Minutes

Approving moving to BluCurrent and list of individuals that will be on the account

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Club

A club is an association of people united by a common interest or goal.

What items are needed to set up a Club?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your club without assistance, there are various resources available to you online.

1. Fictitious Name Filing

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Signers Authority List

Outlining who the signers will be on the account

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Partnership

A Partnership is an arrangement between two or more people to oversee business operations and share in its profit and liabilities.

What items are needed to set up a Partnership?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your partnership without assistance, there are various resources available to you online.

1. Fictitious Name Filing

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Partnership Agreement

4. Signers Authority List

Outlining who the signers will be on the account

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Public Funds

Public funds are funds from government entities, such as school district, water district, library district, city, county, state entities, etc.

What items are needed for Public Funds?

NOTE: Confer with an attorney and/or a tax professional for registration purposes.

1. EIN Form

For more information, see the IRS website: www.irs.gov

2. Evidence of Authority

To open account (Resolution, Meeting Minutes, County Commission Record, etc.)

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

A Limited Liability Company is a business entity in which the member(s) of the company are generally not held responsible for the company’s debts or liabilities.

What items are needed to set up an LLC?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your LLC without assistance, there are various resources available to you online.

1. Article of Organization

These are needed to officially register your business name as an official entity with the state of Missouri
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

This is needed to give your LLC a separate Tax Identification Number (TIN).
For more information, see the IRS website: www.irs.gov

3. Operating Agreement

This is the governing document of your LLC. It outlines the business' financial and functional decisions including rules, structure, ownership, operations, regulations, and provisions

4. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

What items are needed to set up a Corporation?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your corporation without assistance, there are various resources available to you online.

1. Articles of Incorporation

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Bylaws

4. Corporate Resolution

5. Evidence of Ownership (Stock Ownership or Share Certificates)

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

What items are needed to set up a Non-Profit?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your non-profit without assistance, there are various resources available to you online.

1. Articles of Incorporation of a Nonprofit Organization

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. 501c3 paperwork

Tax exempt status letter

4 Bylaws

5. Meeting Minutes

Approving moving to BluCurrent and list of individuals that will be on the account

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Meet The Team

Michael Farrar Kyle Short Chris Pardoe

Michael Farrar

Senior Vice President of Business Services

(417) 851-1502 | business@blucurrent.org | | NMLS: 879796

I began working in financial services in 2001 and came to BluCurrent in 2012. I love serving our members and community with top-of-the-line business products and services to help build better businesses together

Michael Farrar Kyle Short Chris Pardoe

Kyle Short

Vice President of Business Services

(417) 851-1499 | business@blucurrent.org | | NMLS: 2464119

Kyle was born and raised in Springfield, Missouri. For a stint, he spent time living and working in the in Delaware/Pennsylvania area for a nonprofit. Kyle met his wife out east and settled back in Springfield, Mo in 2010. He has a combined 10 years of experience in the nonprofit sector. He entered the financial industry with JPMorgan Chase and transitioned to the credit union in 2010. He has been with BluCurrent ever since working as a member service representative, company trainer, and in 2018 started developing the business deposit department. He enjoys spending time with his wife and 3 kids, and enjoying everything the Ozarks have to offer. With his 15+ years of financial experience, he is ready to serve your commercial deposit and lending needs.

Michael Farrar Kyle Short Chris Pardoe

Chris Pardoe

Manager of Business Services

(417) 851-1499 | business@blucurrent.org |

Chris was born and raised in Waterloo, Iowa. He moved to the Ozarks in 2008 and has lived here ever since. He started in the banking industry with Central Bank of the Ozarks in 2015, and transitioned to BluCurrent in the middle of 2021. He has worked in several positions in his career, ranging from teller/teller supervisor, branch manager, and now currently as the Manager of Business Services. He enjoys spending time with his wife and is looking forward to welcoming his first child in May of next year. He is passionate about using his nearly 9 years of experience in this industry to help local businesses with all their commercial deposit needs.

BluCurrent Credit Union Business Checking Account FAQs

Does my business qualify for a business debit card with BluCurrent?

Any business that is an LLC, Sole Proprietor, Corporation (S-Corp or C-Corp), Non-Profit, Partnership, Club, or Public Funds, and is headquartered or has a service location in one of the following counties is eligible: Christian, Greene, Howell, Jasper, Lawrence, Newton, Polk, Stone, Taney, or Webster.

Can I manage the account online?

Yes, you can conveniently manage your Business Checking Account online or while you are on the go with your mobile device. With our secure and free mobile app, you can monitor your account balance and activity, pay bills, make mobile deposits, transfer funds between accounts, and set up alert notifications for low balances, large transactions, and more! Message and data rates may apply.

Are there any monthly fees?

Our Business Checking Accounts don't have monthly service fees, which lets you focus on growing your business without dealing with extra costs.

What is the minimum balance requirement to open an account?

There is no minimum balance requirement to open a Business Checking Account, which makes it easy to get started if your business is new. It also means you don't have to worry about incurring a minimum balance fee with unexpected cash flow dips.

Are your Business Checking Accout Insured?

Yes, all BluCurrent Business Bank Accounts are insured for up to $2,000,000 through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from the Excess Share Insurance Corporation (ESI). Accounts are NCUA federally insured for up to $250,000. Additional Excess Share Insurance (ESI) covers up to $1,750,000.

How do I open a Business Checking Account with BluCurrent Credit Union?

Opening a Business Checking Account in Southwest Missouri is quick and easy, and we offer several convenient ways to do it. You can send us an email at business@blucurrent.org. You can also apply online, give us a call, use Video Banking , or drop by a branches.

Ready to Take Next Step on Your Business Checking Account?

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