Business Checking
GHS Federal Credit Union offers two Business Checking Accounts. You decide which option works best for you and your business, we’ll handle the rest!
We simplify and support your business financial matters so you can focus on taking great care of your customers or manage your organization, whether you own a business, or are a non-profit agency.
 We offer business banking products and services to help business owners in Chenango, Tioga, or Broome County better manage their daily operations – without the burden of expensive fees.
Absolutely Free Business Checking
GHS Credit Union Free Business Checking is ideal for businesses ready to capitalize on the free things in life:
- No minimum balance requirement. A Membership with a $25.00 balance is all that’s required to open an Absolutely FREE Business Checking Account
- No monthly service fee
- 100 FREE monthly transactions*
Premier Yield Business Checking
Our Premier Yield Business Checking account is specifically designed to meet the unique needs and requirements of qualifying businesses. Benefits include:
- Accounts earn dividends, which will be paid on your Premier Yield Business Checking Account for each day the balance stays at or above $1,500. Dividends will be compounded and credited monthly.
- 1,000 FREE monthly transactions**
- For balances over $1,500***
- FREE Checks
Other Business Services
In addition to checking accounts, business owners can leverage GHS business services, including:
Business Lending
Expand or enhance your business with GHS Federal Credit Union’s business lending services. Whether it’s inventory, equipment, real estate, an expansion project, or payroll, we’ll work to find the right solution for your business with:
 
- Business Term Loans
- Business Lines of Credit
- Commercial Real Estate Loans
- Business Visa Platinum Credit Card
Merchant Services
Enjoy manageable, simple, and quick payment processing solutions with our accessible, dependable customer service so that you can better serve your customers.
GHS Federal Credit Union offers comprehensive merchant services for small businesses:
- Quick, convenient, one-stop payment and credit card processing
- Gift cards – build your brand and increase your sales
- Ecommerce solutions – the most advanced equipment is available
If you want to streamline your business’s finances with convenient, accessible checking services, GHS Federal Credit Union is ready to help.
$1,000 Challenge
We are always striving to provide our members with the best products and services. Submit a current credit card statement for analysis and receive $1,000 if GHS cannot reduce your processing costs!
BOTH OUR BUSINESS CHECKING ACCOUNT OPTIONS PROVIDE THE FOLLOWING CONVENIENCES AND ADVANTAGES:
- Unlimited check writing
- FREE debit card and access to our network of free ATMs
- FREE Online Banking and Voice Banking
- FREE bill pay
- FREE Mobile Banking from your smartphone – make eDeposits or pay using Picture Pay
- FREE guest Wi-Fi
- Personalized, community-oriented customer service
- 24-hour ATM and night drop convenience at our locations in Binghamton, NY and Norwich, NY
- Identity Theft protection
- Standard and extended overdraft protection
- Easy-to-balance monthly eStatement
If you live, work, worship, or go to school in Broome, Chenango, or Tioga Counties, you’re eligible for GHS Federal Credit Union membership, as are your family members. Members are eligible to take advantage of our personal and business financial services and products, as well as insurance and financial offerings.
*Transaction items include all checks paid and checks deposited, $0.24 per item over 100.
** Transaction items included all checks paid and checks deposited, ACH debits and credits. Only $0.15 per item over 1,000.
*** $6.00 fee if daily balance falls below $1,500.
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