You spend enough money running your business. You shouldn't have to spend more — on spending more.

That's why 1st MS offers free checking for businesses, complete with free ways to manage your account, from your own computer and mobile phone or device. Unlimited checking with no monthly service charges.

Summary

• Free business checking account
• Keep business and personal accounts separate
• Track spending easily
• Unlimited checking
• No monthly service charge
• No minimum balance to maintain
• Free online banking
• First 3 bill pay transactions free
• Free mobile banking
• Free e-Statements
• Free Visa® debit card

Whether it's the oil business, big business, or show business, you're in business to make money. In business-speak, this means leveraging opportunities to monetize wherever you can.

In plain language, it means that signing up for Business Checking Plus Interest is an easy way to make a little extra on the side. Because at the end of the day, when you net it out, earning dividends from checking is a win-win.

Summary

• Interest earning business checking account
• Maintain $300 minimum daily balance to earn competitive dividends
• Dividends are compounded and paid quarterly
• Maintain $1,000 minimum daily balance to avoid the $15 service charge
• Free online banking
• First 3 bill pay transactions free
• Free mobile banking
• Free e-Statements
• Free Visa® debit card
• Minimum $100 to open
• $800 overdraft courtesy pay for those that qualify

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

• Free online expense reporting tools.
• No fee for additional employee cards.
• Mobile payment capability for added convenience.
• Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
• Cardmember Service available 24 hours a day/365 days per year.

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

There are probably a million things you could be doing instead of waiting in line at your credit union. Free up time on your to-do list and use remote deposit capture for depositing funds and checks.

Simply use your 1st MS-provided scanner to scan and deposit checks electronically. You can do it from your home or office — on your own time.

Summary

• Deposit checks 24/7 from your home or office
• Save time and trips to the credit union
• Get funds deposited in your account quickly
• 1st MS provides the scanner
• Competitive pricing
• Encrypted for your security

These days you can do anything online, from booking a vacation, to finding a date, to buying a homemade tumbleweed. So when it comes to managing your accounts online, it's as easy as signing up and logging on.

View account balances in real time, review transactions, transfer funds, and more. Use Bill Pay to make loan payment and pay bills — all from your own computer.

Summary

• Manage your accounts anytime from your own computer
• View account balances
• Review transaction history
• Transfer funds
• Use bill pay to save time and money
• Make loan payments
• Pay bills
• Set up alerts and reminders to avoid late payment fees
• Encrypted to keep your information secure