Business Solutions

Business Checking & Savings

Start Growing by Opening Your Account

Does my business qualify for membership?

We welcome businesses of all sizes to join our network. If your company operates or resides in North Carolina, South Carolina, or Virginia and belongs to one of the classifications below, you are ready to open an account with us:

• Sole Proprietorships: Straightforward account controls for independent operators.

• Corporations: Structured access built for multi-member legal entities.

• LLC / LLP: Secure liability protection tracking for modern operations.

• Partnerships: Dual-owner management frameworks for co-owned businesses.

Open a Business Account

• How Do I Open an Account? Apply at any branch location.

• Who it's great for: Companies of any size looking for a reliable, everyday financial home base in NC, SC, or VA.

• The Benefits: Checking and primary Business Savings Accounts. Clean, transparent fee structures to keep your overhead predictable.

Business & Commercial Loans

Whether you need short-term working capital or long-term funding for real estate, our dedicated Business & Commercial Lending team offers a variety of loans with flexible fixed or variable terms. We are here to design a custom solution for your specific business milestones.

• Real Estate Secured Loans: Competitive rates tailored for owner-occupied properties or new commercial investment opportunities.

• Lines of Credit: A versatile asset to help you meet short-term working capital needs. Use it to balance cash flow shortages, purchase seasonal inventory, launch a marketing campaign, or handle unforeseen emergency expenses.

• Vehicle & Equipment Financing: Direct, manageable funding options to purchase your essential commercial vehicles or upgrade specialized workplace equipment.

• Share / Certificate Secured Loans: Borrow against yourself with absolute confidence. Pledge your funds dollar-for-dollar from a Marine FCU Share Savings or a Non-IRA Share Certificate to secure low-rate financing while keeping your principal investment safe.

Visa® Business Credit Card

Earn rewards on your everyday business expenses

Streamline your travel, dining, and supplier logistics with a card designed to restore flexibility to your monthly cash flow. Earn one point for every dollar spent, plus enjoy premium multipliers on your most frequent business expenses.

• Triple Points Multiplier: Earn triple points automatically on gas station fill-ups and at major wholesale merchants like Sam's Club, Costco, and more.

• Flexible Redemptions: Easily redeem your points for travel, hotels, gift cards, merchandise, and statement credits.

What to Expect With Your Application

Pending your application review, our Business & Commercial Lending Team may request additional verification documents. To keep your workflow moving smoothly, secure E-Sign capabilities are fully available upon request.

Have Questions?
Contact the Business & Commercial Lending Department directly at (910) 577-7333 ext. 5469.

Additional Services

Tools Tailored for Seamless Operations

We supply your team with unique commercial banking features that remove the heavy lifting from your daily management routine:

• Additional Business Services: From payroll to insurance to web design and more. Check out our additional services.

• Night Depository Options: Securely drop off cash or check receipts long after standard hours.

• Merchant Services: 24-hour technical support assistance, equipment purchase programs, and friendly, local representatives nationwide.

• Payroll Distribution Methods: Keep your team happy with direct deposit, pay cards, or traditional checks. Ancillary services include tax filing, vacation/sick pay tracking, and workers' compensation.

• Coin Order Change Program: Easily secure exact change bags for fundraisers and retail events.

• Order Checks Online: Replenish your corporate checkbooks through a secure web portal.