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Business Debit

Enjoy a complimentary debit card with your Business Checking Account

Send us an email at business@blucurrent.org, give us a call or use our video banking to open your business debit card today.

Business Debit Cards

Manage your business expenses with ease! Conveniently make transactions online or in person, track your spending through online and mobile banking, and access your account at 20+ surcharge-free ATMs.

Click below to apply for one of the best business debit cards in Southwest Missouri to simplify your payments, manage your cash flow, and gain financial clarity!

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A woman makes an online purchase with a business debit card.

Secure Payments for Daily Business Expenses

No Fees: A business debit card is included at no cost when you open a business checking account.
Free ATMs: Get cash when you need it from 20+ surcharge-free ATMs.
Security Features: EMV chip technology is used to protect against counterfeit fraud.
Flexible Transactions: Complete business transactions online or in person.
Online & Mobile Banking: Conveniently check your account balance online or with mobile banking before you make purchases.

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A woman checks the account balance with online banking before making a purchase with a business debit card.

Take Charge of Your Business's Finances

Easily manage daily business expenses with a flexible business debit card that is included when opening a business checking account.

Simplify Expenses: Common online bookkeeping applications integrate with your business checking account, so you will have a clear record of transactions, which makes it easier to track and manage expenses.
Improve Cash Flow Management: Instant transaction deductions from your business checking account make it easier to track your balance, which helps with financial planning.
Convenience and Flexibility: Get the inventory, equipment, and supplies your business needs to operate without delays.
Optimize Payments: Set up recurring payments with vendors to pay for bills, subscriptions, and services.

Ready to simplify your Southwest Missouri business's finances? Click the button below to apply for a business checking account and get a business debit card to manage expenses, track spending, and improve your financial processes.

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A man uses a business debit card to order business supplies online.

Ready to Open Business Debit Card

Step

Open a Business Checking Account

A free business debit card is provided with the opening of a BluCurrent business checking account.

Step

Activate Your Business Debit Card

Follow the provided instructions to activate your new card.

Step

Start Using Your Card

Use the card for business expenses and ATM access.

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What Our Business Members Have to Say

Additional Benefits to Simplify Your Business's Finances

Direct Account Access

Transactions are made directly from your business checking account instead of with credit.

Wide Acceptance

MasterCard® debit cards are accepted by millions of merchants.

24/7 Customer Support

Access round-the-clock assistance for lost cards or inquiries.

Safer than Carrying Cash

Debit cards provide access to funds without the need to carry large amounts of cash, which can be risky.

Instant Transactions

There's no need to wait for checks to clear or deal with lost or stolen checks.

Easy Refunds

Merchant refunds can be quickly processed to your business checking account.

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 Debit Cards 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 use a business debit card for online purchases?

Absolutely! Our business debit card can be used for in-person as well as online transactions to give you the flexibility your business needs.

Is there a monthly service fee for a business debit card?

As a checking account holder, you can conveniently check your business banking account balance anytime using online or mobile banking or at an ATM.

How can I check my account balance?

As a checking account holder, you can conveniently check your business banking account balance anytime using online or mobile banking or at an ATM.

Can I use a business debit card to make ATM withdrawals?

Yes, you can conveniently access your account at 20+ local surcharge-free ATMs. Fees may apply for out-of-network ATMs.

Which bank or credit union offers the best business debit cards?

BluCurrent offers a flexible business debit card solution for all of your needs. Whether you are purchasing inventory, taking a client to lunch, traveling, or managing everyday expenses, our card provides the convenience you need to keep your business running smoothly.

Does BluCurrent offer any additional business services?

Yes, we offer a full range of banking products and services for Southwest Missouri businesses, including small business checking accounts, money market accounts, certificates of deposit, business loans, and more. Tell us about your business needs and we'll provide customized service to help you meet your goals.

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