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Business Banking
Checking and Savings to fit your business needs.

Whether you’re an established business or just starting out on your own, Red River Credit Union Business Checking and Savings accounts are designed to quickly and conveniently give you access to your funds and provide the tools to manage your cash flow. With Red River Credit Union Business Checking, we offer a FREE Visa® Check Card. Simply present your card anywhere that accepts Visa and the purchase amount is deducted from your Business Checking account. For all Business account questions, contact Schlundyra Carter at 903-735-3195 or

  • Sole Proprietorship/Organization Checking

    This is the perfect account for Start-ups, Sole Proprietorships, or Organizations with low monthly check writing and deposit activity, lower account balances, and basic needs.

    • No Minimum Balance
    • No Transaction Limit
    • Free Debit Card
    • Earns Monthly Dividends
    • No Monthly Maintenance Fee
    • No Transaction Fee
    • Free Access to Business Online Banking
    • Free eStatements Option
    • Free Access to RO$EY, our telephone teller
  • Small Business Checking

    Business Checking is designed for Partnerships, LLC's, and Corporations. Whether you're just getting your business started or have been in business for years, convenient access to your funds is essential. At Red River Credit Union, our Business Checking account has a full range of features tailored to your checking account needs.

    • No Minimum Balance
    • No Transaction Limit
    • Free Debit/ATM Card
    • No Monthly Maintenance Fee
    • $0.25 fee for transactions over 250
    • Free Access to Business Online Banking
  • Overdraft Protection

    Get peace of mind with optional overdraft protection for your Red River Credit Union Business Accounts and save yourself the complications, charges, and embarrassing delays that come with non-sufficient funds. Options include Savings Account Transfer and MoneyLine Line-of-Credit Loan Transfers.

    Savings Account Transfers

    In the event that your Business Checking account has non-sufficient funds at the time a check is presented, the item may be paid from funds available in your Business Savings account.

    MoneyLine Line-of-Credit Loan Transfers

    Another way to avoid checking account overdraft complications, charges, and embarrassing delays is with a Red River Credit Union Line-of-Credit loan transfer. Loan fees may apply, but there is no transaction fee to use this service to cover checking account transactions. A Line-of-Credit loan transfer can be used as a primary overdraft protection source to cover checks, pre-authorized debits, point-of-sale transactions, ATM transactions or debit card transaction (with approved credit).

    CONTACT US to find out which Overdraft Protection option would be best for your business or to find out what other types of Overdraft Protection Red River Credit Union offers. Some fee and restrictions may apply to Overdraft Protection services.

  • Business Savings

    No matter your business needs, Red River Credit Union has a savings account that is sure to work for your business. Business Savings accounts come with all the standard benefits, including Online Banking Features

    Business Savings

    Earn interest on your balances while maintaining full access to your funds with a Red River Credit Union business savings account.

    • Minimum Deposit of $5
    • One-time $5 Membership Fee
    • Dividends Paid Quarterly
    • Free eStatements Option
    • Free Access to RO$EY, our telephone teller

    Business Term Share Certificates

    With a Term Share Certificate, you'll have peace of mind knowing your funds are safe, secure and growing at a steady rate.

    • Dividends Rates Exceed Regular Savings Options
    • Available in Terms from 6-60 Months
    • $500 Minimum Balance
    • Variety of Dividend Payment Options

    Business Money Market

    Consider our Business Money Market account for future expenses like taxes, insurance and large purchases. Dividends are computed on the average daily balance and deposited at the end of each month.

    • No Monthly Maintenance Fee
    • $2,500 Minimum Opening Balance
    • $2,500 Minimum Daily Balance to Earn Dividends

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.