Business Solutions

Business Tools

All the tools you need to run your business effortlessly.

Business Checking and Savings

Spending and saving options that fit your business.

Business Loans

Spending and saving options that fit your business.

Payroll / Electronic Deposit

Electronic Deposit and Payments

Increase your business efficiency with electronic deposits and payments processed through the Automated Clearing House (ACH) network, including direct deposit and direct payment, can help save your company or organization time and money, while improving the satisfaction of your employees and customers.

Direct deposit

Even if your business has fewer than 50 employees, there are substantial benefits to offering direct deposit and direct payment. These benefits include easy set-up, improved cash flow, reduced check errors, lower processing costs and simplified reconciliation—plus, you can save a few trees in the process.

Direct payment

The electronic transfer of payments from customer or donor checking and savings accounts directly to your company or charitable organization’s account can help simplify the payment process for both you and your customers or donors. Direct payment is ideal for companies collecting recurring payments or charitable donations of all sizes

Get Started

Whether you need to simplify your payroll or solve payment processing challenges, Verve can help your business run like a well-oiled machine.

Get Started

To begin taking advantage of credit card processing services today, contact a member of our Business team.

Credit Card Processing

Verve brings its members the ability to process credit card transactions with partners you can trust. Accepting credit and debit card payments from your customers can open up a whole new world of payment options for your business. Some of the benefits include:

  • More outlets to sell your product/service (online, phone, etc.)
  • Increased sales
  • Decreased risk of uncollected payments
  • Quicker transaction times for your customers’ checks

Health Savings Account

This special savings account is designed exclusively for businesses that offer high deductible insurance plans to their employees. A Verve Health Savings Account (HSA) can make it easier for your employees to pay for high, out-of-pocket medical bills each month. Your employees make a monthly pre-tax contribution to their HSA for healthcare expenses for themselves, their spouse and/or their dependents. They can reduce their taxable income and ensure that they have money to pay for healthcare expenses when they need it.  Your employees can:

  • Grow their HSAs quickly with tiered interest rates that reward higher balances
  • Talk to a local member service team
  • View HSA balances with online banking access
  • Pay themselves or their providers using convenient online, phone and debit card access to their funds
  • Roll over unused savings from year to year
Get Started

Contact our Business team for more information on this employee benefit.

Small Business Checking

For businesses that prefer lower minimum monthly balance restrictions, Verve offers a non-interest bearing checking account with lots of extras.

  • Minimum Balance: $500
  • Earns Interest: NO
  • Monthly Transaction Fees for Checkwriting: 1st 50 FREE
  • Monthly Transaction fees for deposits: 1st 50 FREE
  • Free Online Banking: YES
  • Free eStatements: YES
  • Free first 10 per month eBillpays: YES
  • Free Memberline Phone Access: YES
Get Started

Contact our Business team for more information on small business checking.

Get Started

Contact our Business team for more information on small business checking.

Business Checking

With Interest

If your business supports average monthly balances greater than $2000, consider opening a Verve Business Checking with Interest. In addition to being one of the few financial institutions that pays interest on business checking accounts, Verve also provides tiered interest rates that reward members as they grow their balances.

Business Savings

Business savings accounts are available to businesses for investing excess short-term cash. Business members can open up to 10 savings accounts using just one account number with unique endings, or suffixes, to provide targeted savings for things like equipment, furniture, office supplies, employee gifts and more.

  • Minimum Balance: $100
  • Earns Interest: NO
  • Monthly Transaction fees for deposits: 1st 50 FREE
  • Free Online Banking: YES
  • Free eStatements: YES
  • Free eBillpay: YES
  • Free Memberline Phone Access: YES
Get Started

Contact our Business team for more information on business savings accounts.

Get Started

Contact our Business team for more information about rates and APY's.

  • Minimum Balance: $2,500
  • Earns Interest: YES
  • Monthly Transaction fees for deposits: 1st 50 FREE
  • Free Online Banking: YES
  • Free eStatements: YES
  • Free eBillpay: YES
  • Free Bank by Phone Access: YES

Business Money Market

Businesses that are able to maintain a higher savings balance are rewarded with tiered interest rates in a Verve Money Market account.

Account Balance Dividend Rate APY
$2,500.00 - $24,999.99 0.40% 0.40%
$25,000.00 – $74,999.99 0.80% 0.80%
$75,000.00 – $249,999.99 1.14% 1.15%
$250,000.00 – $499,999.99 1.34% 1.35%
$500,000.00 – $949,999.99 1.44% 1.45%
$950,000.00 – $1,999,999.99 1.54% 1.55%
$2,000,000.00+ 2.08% 2.10%

Business MasterCard®

with Rewards

Get more for your business with a no-annual fee, low-interest rate variable credit card from Verve. Oh yeah, it has rewards, too. When you use your Verve Business MasterCard® to make purchases for your business, you can earn points for travel awards and merchandise redeemable through our Rewards partner.

Earn purchase rewards from our Rewards partner to redeem on things like:

  • Airline miles (many carriers like United, Continental, Delta, American and more).
  • Car rental and hotel stays.
  • Electronics (cell phones, monitors, etc.).
  • Office equipment.
  • More than 1,500 merchandise rewards in 11 different categories to choose from.
Get Started

Start your credit card application.

Get Started

Due to rate changes and fluctuations, call John at 920.252.0683 or Becky at 920.230.3058 for current rates, or email our business team.

Commercial Term Loans

Term loans provide a way for businesses to plan for long-term growth. They can help provide funding for equipment, assets or improvements to keep up with your growing business. Types of loans available include:

  • Commercial Real Estate Loans
  • Multi-family and Rental Property Loans
  • Equipment and Vehicle Loans
  • Business Buyout Loans

Commercial Lines of Credit

Lines of credit provide businesses with a great way to take advantage of opportunities when they arise or to assist with fluctuations in cash flow. They are typically repaid from your business’ receivables or cash flow. A revolving line of credit lets your business borrow, repay, and borrow again up to the original amount committed by us throughout the life of the loan.

Get Started

Due to rate changes and fluctuations, call John at 920.252.0683 or Becky at 920.230.3058 for current rates, or email our business team.

Get Started

Due to rate changes and fluctuations, call John at 920.252.0683 or Becky at 920.230.3058 for current rates, or email our business team.

SBA Loans

The U.S. Small Business Administration (SBA) recognizes that conventional loans may not offer many small business owners access to the capital they need to keep their businesses strong and help them grow. Therefore, the SBA has developed a number of financial programs for small businesses, and partners with financial institutions like Verve to provide them to you—the small business owner—at the local level. The SBA’s government-guaranteed programs offer qualified borrowers more flexibility, so you can improve and invest in your business.

Meet the Business Team

John Hill

VP of Business Lending

John works to help members grow their businesses and accomplish their goals, providing the highest level of service and financial guidance. When it comes to his work with Verve business members, John always says, “If you do the right thing every day, success will follow.”

Call John at 920.230.3021

Va you Yang

Business Lending Officer – La Crosse

Responsible for business loan growth in Verve’s La Crosse membership area, Va you has experience in many financial industry positions, most recently as a senior credit analyst. When it comes to serving with Verve, Va you puts his proactive personality and adaptability to work to bring members an excellent financial experience.

Call Va you at 608.779.2416

Mike Simonds

AVP of Credit – Fox Valley

Mike joined Verve in 2014 after gaining experience in the commercial real estate sector. His commitment to members and high level of service make him a valuable resource when helping businesses with their needs. Passionate and enthusiastic, Mike strives to show the meaning of Verve in his work each and every day.

Call Mike at 920.886.1144

Becky Flanagan

Business Relations Lead – Fox Valley

Becky’s commitment to the credit union movement comes out in her work with Verve’s business members. Helping entrepreneurs meet their goals and aspirations is her highest priority, and her extensive knowledge in many of the credit union’s departments makes her a go-to resource for Verve’s business members.

Call Becky at 920.230.3058

Cody Becker

Portfolio Relationship Manager – Fox Valley

Call Cody at 920.230.3022

Zach Kutz

Business Relations Specialist – Fox Valley

Call Zach at 920.886.1141

Not sure which solutions are right for your business?

Call John at 920.252.0683 or Becky at 920.230.3058 or to email or use the contact button to send us an email.