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Business Checking Account in Norwich

Looking for reliable business checking in Norwich? SFCU offers tailored business checking accounts designed to simplify your finances and keep your business growing. Enjoy no monthly maintenance fees, clear transaction histories, and convenient online banking tools. Whether you’re a small startup or an established company, our business checking options and solutions help you manage cash flow with confidence and efficiency.

Open a Business Account

Features & Benefits of Our Business Checking Account

No Monthly Maintenance Fees

No minimum or average daily balance requirements. You will not be charged any monthly maintenance fees, unlike other business account options at other institutions.

No Balance Requirements

No matter how much you choose to deposit, you can open an SFCU account with less fuss. So, if you are just starting out or an established business, we make it hassle-free.

Unlimited Transactions

From ACH, debit, checks, and more, you will not have a limit on how many transactions you can make per month with this account. Say goodbye to per transaction charges.

Nationwide Branch and ATM Access

You can withdraw funds from over 36,000 branches and ATMs nationwide, so no matter where you are you can access the cash you need for business expenses.

E-Statements

No need to wait for your statements in the mail or shred paper copies now that you can view your account information online.

Free Debit Mastercard®

Easily handle business transactions with an SFCU Debit Mastercard, enjoying convenient access and no fees for carrying the card.

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Our Business Checking Options

At SFCU, we offer checking options to fit the needs of your business. You decide whether our Basic, Dividend or Community Checking works best for you.

Business Checking Account Comparison Chart

Every business is different, and your organization deserves a checking account that’s as unique as it is. We offer several business checking options—choose the one that suits you and enjoy smarter, easier money management.

Business Dividend Checking

Basic Business Checking

Community Checking

Minimum Initial Deposit to Open
$5,000
$0
$0
Minimum Average Daily Balance (ADB) to Earn Dividends
$5,000
N/A
N/A
Minimum ADB to Avoid Monthly Maintenance Fee
$5,000
N/A
N/A
Per Check Charge
N/A
N/A
N/A
Account Transaction Limits
UNLIMITED
UNLIMITED
UNLIMITED
Dividend Rate *
.25% APY
N/A
N/A
Monthly Maintenance Fee *
$5
$0
$0
Unlimited Check Clearing Per Month
True
True
True
Earn Dividends
True
False
False
Debit Mastercard with No Monthly Fee
True
True
True
Free Online Access with Admin Abilities
True
True
True
Free Mobile Access
True
True
True
Free Bill Pay
True
True
True
Overdraft Protection Options Available **
True
True
True
Potential Monthly Maintenance Fee *
True
True
False
Estatements
True
True
True

Why Norwich Businesses Choose Sidney FCU?

Norwich businesses trust Sidney FCU for dependable, personalized banking. We offer convenient ATM access, no minimum deposit, no per-item deposit fees, and local support that makes managing finances simple. From daily transactions to long-term growth, our team is here to help your business thrive. Experience banking that’s straightforward, supportive, and focused on your growth and success.

How to Open a Business Checking Account?

Get started today with a new checking account for your basic business needs in just a few simple, easy steps.

  • 1

    Complete an application

    Complete your application easily by working with one of our knowledgeable Business Services Specialists, who will guide you through every step.

  • 2

    Make an initial deposit

    Start banking today by making a deposit that fits your business budget, giving your company convenient access to essential financial services.

  • 3

    Manage your account

    Start using your account funds for approved business expenses and make regular deposits to grow your business account balance.

Open Your Business Checking Account

What You Need to Open an Account?

Opening a business checking account with Sidney FCU is simple when you have the right documents ready and organized.

1. Employer Identification Number (EIN)

Your EIN is issued by the IRS to identify your business for tax purposes. It’s required for all business accounts.

2. Business Formation Documents

These include articles of incorporation, partnership agreements, or LLC certificates. They verify your business’s legal structure and ownership.

3. Operating Agreement

An operating agreement outlines the roles, responsibilities, and ownership of business members, helping Sidney FCU understand account authorization.

4. Personal Identification

A valid driver’s license or passport is required for all owners or authorized signers to verify identity.

5. Business License

If your business requires a local or state license, provide a copy to show your business is legally operating.

Visit Our Norwich Branch

Address: 5900 County Road 32
Norwich, NY 13815

Lobby Hours: Mon – Fri: 9 AM – 4:30 PM
Sat: 9 AM – 12 PM

Drive-Up Hours: Mon – Fri: 9 AM – 5 PM
Sat: 9 AM – 12 PM

Phone: (877) 642-7328

View holiday schedule

Frequently Asked Questions

  • Ans: Yes, A business check is linked to your business account, not your personal account. It helps track expenses, manage finances professionally, and maintain accurate records, which is essential for accounting, taxes, and demonstrating business legitimacy.

  • Ans: Consider your business size, transaction frequency, and services needed. Check out our business checking account comparison chart to see the features and benefits side-by-side to help you select the ideal business checking account.

  • Ans: Yes, Business checking accounts at Sidney FCU are federally insured, protecting your deposits up to the applicable limit. This provides security and peace of mind, so your funds remain safe while your business grows and operates smoothly.

  • Ans: There is no minimum initial deposit to open an SFCU Basic Business Checking account. We do require a minimum opening deposit to open a Business Dividend Checking account. Learn more with our comparison chart.

  • Ans: Opening a business checking account in Norwich at Sidney FCU is quick. With all required documents ready, the process can often be completed the same day, allowing you to access and manage your business finances immediately.

Open a Free Checking Account - Cosnsumer

Order Checks

Order checks online

Our partners at Harland Clarke will make the process of getting new checks easy and quick. We ask that you do not place your order online and contact us directly if:
• You are a Senior Club Member
• This is your first time ordering
• It has been 3+ years since last order
• Your name and/or address has changed

For all other orders, your account number is displayed on the bottom of your check OR on the bottom of your reorder form 1531xxxxxxxxxx (must be 14 digits long). The routing number for SFCU is 221379905.

Reorder with Harland Clark

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Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

Open An Account

Already a Member?

Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

Add a Product

 

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