Advantage Business Checking Account

For Businesses And Organizations Who Maintain Higher Operating Balances

Our Advantage Business Checking account gives you all of the perks of dealing with a truly local credit union without service fees for things like depositing currency and coin, or writing checks. Our team answers the phone when you call, and we offer convenient online chat options for additional support.

Click the buttons below to start opening an account today, or reach out to our team to learn more.

Advantage Checking Benefits

Only need $1,000 to open
No monthly fee with $2,500 average daily balance*
No fees for coin/currency deposited
Free Mobile Check Deposit
Free check writing
Earn interest on balances $2,500 and greater
Fee free access to all CashPoints® ATM locations

I am a New Member

Apply online for a Business Account with NCCFCU.

I am an Existing Member

Questions? Give our Team a Call.

Visit one of the NCCFCU branches to open an Advantage Checking Account in person. Give our local business team a call to find out more.

Chastity Jameson

Business Support Specialist

919.734.8224 ext. 2213

Documents Needed to Open a Business Account

For your business identification, we will need:

Proof of EIN number- This can be the letter from the IRS issuing the EIN OR a previously filed tax return.
- - If you are a sole proprietor using your individual SSN, we will need a completed DBA certificate that has been recorded at the Register of Deeds. We will also require a copy of the social security card for the sole proprietor.
Locate your business type below. We will need at least ONE form of documentation listed in the bulleted list under your business type.

- Corporations
  - Registration with NC Secretary of State
  - Articles of Incorporation/Bylaws
  - Business License/Seller’s Permit
  LLC- Limited Liability Company
  - Registration with NC Secretary of State
  - Articles of Organization
  - Operating Agreement
  - Business License/Seller’s Permit
  - Current Manager Appointments
  General and Limited Partnerships
  - Registration with NC Secretary of State
  - Partnership Agreement
  - Assumed Business Name Certificate (must be recorded at the Register of Deeds)
  Not-for-Profit Organizations
  - Charter/Bylaws
  - Articles of Incorporation/Organization
  - Letter on letterhead signed by two or more officers detailing those authorized to transact on the account
  Sole Proprietorships or Partnerships Between Spouses
  - Assumed Business Name Certificate (must be recorded at the Register of Deeds)
  - Business License

Each individual who will be a signer on the account needs to bring the following:

SSN or TIN number
One of the following government issued photo IDs:
- U.S. or Foreign Passport
- U.S. Driver’s License
- U.S. State Issued Identification
- Alien Registration Card (Permanent Resident Card)
- US Visa
IF the photo ID does not list the signer’s current address, we will need proof of current address in the form of a:
- Utility, Cell Phone or Insurance Bill
- Property Tax Bill
- Voter ID Card

Membership Eligibility

If you Live, Work, Worship or Attend School in Wayne County, NC you can join NC Community Credit Union with just $1 in a Savings account. If you do not meet one of these criteria, but reside within the State of North Carolina, you can make a one-time $5.00, tax-deductible donation to the Your Community Foundation to become eligible for membership with us.