Business Checking Accounts Crush your business goals

Sole Proprietorship

• Valid Photo ID for All Signers
• Certificate of Fictitious Name (if the title of the business does not include the owner’s full legal name)
• Certificate of EIN, if applicable

General Partnership / Limited Partnership

• Valid Photo ID for All Partners
• Partnership Agreement – for Limited Partnership
• Certificate of Fictitious Name (if the title of the business does not match the legal name listed in business documentation provided)

Limited Liability Company (LLC)

• Valid Photo IDs for All Signers
• Articles of Organization
• Certificate of Fictitious Name (if applicable)

Corporation/Non-Profit Corporation

• Valid Photo IDs for All Signers
• Articles of Incorporation
• Fictitious Name Registration (if conducting business under another name not listed in the Articles of Incorporation)

The Transactions View provides an easy way to review or find transactions from any account, over any time period. You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date. You should always take a moment to review newly imported transactions. Not only does this help you keep track of your spending but will also help you to quickly identify fraudulent charges. When reviewing your transactions, make sure you recognize the transaction and verify that it is categorized correctly.

To view more or edit details on a transaction, just click on it. You can customize your transactions using the following features:

• Category: Categorize transactions so your spending will be accurately reflected in Spending and Budgets. Click on the category field and select the correct category from the drop down list.
• Flags: Flag a transaction “B” for business-related, “P” for personal (default), or mark it with a flag to make it stand out in the transaction list.
• Tags: Create custom tags to label transactions for searching. For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
• Memo: Add a memo when you need to remember special details about a transaction.
• Split: Split a transaction between multiple categories to account for specific amounts in Spending and Budgets.

Mobile Check Deposit is a secure service offered by PenAir. Using your scanner and computer, or any mobile device, it allows you to scan and electronically deposit checks to your PenAir account through Online Banking.

1. From your Online Banking page, select the “Mobile Check Deposit” icon
2. Select the account into which you wish to make a check deposit then click “Submit.”
3. To endorse the check, include the following info on the back of the check(s):
   • Business name as written on the payee line OR For Deposit Only
   • Business Account Number
4. Select your scanner (the first time you use the service you will be prompted to install a scanner control, you will only need to do this once)
5. Enter the total deposit amount of your check(s)
6. Scan the front and back of your check(s)
7. Review and submit your deposit

PenAir Credit Union offers a variety of additional services for small businesses such as:

• Treasury Management
• Payroll Processing
• Payment and eCommerce Solutions

Contact our Commercial Banking team today for more information at 850-505-3200, Ext. 7380 or email us at Commercial.Banking@penair.org

You can find the Commercial Fee Schedule here.