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We’re Offering Small Businesses the Opportunity to Become Bigger Businesses

For 60 years, we have partnered with members of the community to help make their prosperity a reality, and we invite you to become a part of that success.

At SMCU, we understand that growing your business is a top priority. That’s why we offer small businesses the opportunity to become bigger businesses, with a range of financial services that help you achieve your professional goals.

Card processing services are available through SMCU's trusted partner, Sterling. Electronic payment processing including credit, debit, fleet, gift card, electronic benefits transfer, check authorization and conversion are now available. Click here to request information about this service today.

SMCU’s Business Checking Account is designed with prosperity in mind, so you can get the services you need at a fee structure you can afford.

  • Minimum opening balance is $100
  • $15.00 monthly maintenance fee (waived with an average daily balance of $4,000.00)
  • Bill Pay free up to 10 payments per month

This Card is all about Business!

If you’re an entrepreneur or a sole-proprietor with your own business this card is just for you!

Intro rate of 1.99% APR* on Purchases and Balance Transfers

  • Standard rate as low as 10.99% APR*
  • Rewards Points
  • No hidden fees; no annual fees
  • A separate business account
  • Grace periods on purchases
  • Instant cash at ATMs worldwide
  • Overdraft option

SMCU’s Business Savings Account helps you to save for the future.

  • Earns dividends
  • $100 minimum to open

SMCU’s Business Money Market Plus that gives you convenient access like a checking account but pays you more as your balance increases. Features include:

  • Minimum balance to open is $2,500
  • Daily access to your funds via ATM, Checks, and SMCU Online*
  • Tiered rates -  the more you have on deposit, the more you earn
  • Dividends are calculated daily and paid monthly
  • No monthly fees or charges

Click here to view current rates.

In addition to offering both checking and savings accounts, we also feature FREE services such as:

  • Business Visa® Direct Check Card
  • Mobile banking
  • SMCU OnLine
  • eStatements
  • Overdraft from savings
  • Convenient branch and ATM locations in San Mateo County

Additional available options:

  • SEP plans
  • Health Savings Accounts

A SMCU business account — it just makes sense. Access to our services is easy and convenient, with eight branches located throughout San Mateo County.

To get started, visit a local branch or call us at (650) 363-1725 or (888) 363-1725.

* 6 maximum withdrawal transactions per month include: overdraft, withdrawal by telephone, through SMCU Online, Call-24, ACH debit, allocation transfers, or you may write a maximum of 3 checks. You may make unlimited withdrawals in person, at ATMs, by written withdrawal request delivered by mail or messenger, or by telephone request to mail a check payable to you at your address on file with us.  A business is eligible for membership at San Mateo Credit Union if it is located in San Mateo County. Pay a one-time non-refundable membership fee of $10.00San Mateo Credit Union is federally insured by the NCUA.   

A business is eligible for membership at San Mateo Credit Union if it is located in San Mateo County. Pay a one-time non-refundable membership fee of $10.00. San Mateo Credit Union is federally insured by the NCUA.   

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