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Business Login

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Business Login

Business Services

Route 31 Business Services

Our business banking offerings provide a comprehensive suite of financial products and services, including business loans, lines of credit, checking and savings accounts, and much more.


  • Credit Union Membership for Employees
  • Health Savings Accounts for Employees with Free Debit Card
  • SEP IRA for Employees
  • Payroll Deposits
  • Notary Service
  • Debit Card
  • MyBiz Online Banking
  • Online Bill Pay
  • Wire Transfers (See Fee Schedule)
  • Night Deposit Services
  • Business Account Supplies: Checks, Deposit Stamps, Night Deposit Bags


Business Solutions

Route 31 offers the following solutions for businesses:

  • Remote Check Deposits
    • Remote Deposit Capture offers the ability to scan multiple checks, including high-value checks, directly to us from the comfort of your office.  Your business can deposit on your schedule via an electronic deposit, and funds will be available as soon as the next business day.
      • Convenience: deposit checks when convenient for you, one at a time or in a branch.
      • Flexibility: Gains access to later deposit cut-off times.
      • Savings: Significantly reduces collection float.
  • Direct Deposit for Employees & Other ACH Payments
    • Using ACH Origination, you can initiate electronic business payments, including:
      • Direct employee deposits
      • Payments to vendors and suppliers
      • Collection of periodic dues or membership fees
      • Transfers to or from non-credit union accounts
      • State and Federal tax payments
    • You can create and manage as many payees as you’d like.  All recipient details are stored in a secure database of payment instructions that includes payee details and relevant banking information.
      • Control: Manage your cash flow.
      • Cost-effective: Lower transaction fees.
      • Convenience: Schedule your payments in advance.
      • Secure: Reduces risk inherent with paper checks.
  • Check Fraud Prevention
    •  As a business owner, you shouldn’t have to worry about check fraud. Using our Positive Pay service, you will gain peace of mind knowing that you can mitigate risk, reduce losses, and increase account security. You will benefit from reduced errors and faster reconciliation.
      •  Flexibility – digitally confirms check information
      • Security – ensures only valid checks get cashed
      • Protection – prevent unauthorized payments
  • Online Wire Transfers
    • Efficiently managing your business requires reliable, on-time payments to your vendors. Online wire transfers are a simple, secure, and practical way to transfer funds while giving your business additional time to manage your receivables. Our digital platform allows you to manage these payments at your convenience, to provide peace of mind that your business is taken care of.
      • Convenient: Real-time, optimal exchange rates
      • Ease of Use: Track domestic wires with a Fed reference number.

Business 31 Savings

Looking for a savings account with a low minimum balance and low fees?  Our Business 31 Savings account requires a minimum balance of just $25 to retain your membership at the credit union, plus a $1 Membership Fee to open a share account.  We also offer the services below:

  • Sub-Share Accounts (Unlimited)
  • Money Market Savings
  • Certificate of Deposits

Business 31 Interest Checking

Now your business can have a checking account that pays interest, but has minimum fees.  Our Business 31 Checking account requires a minimum deposit of $100 to open a checking account.  Maintain a daily balance of $2,500 to earn interest.

Business 31 Interest Checking
$15 per Month Fee Waived with Minimum $100 Daily Balance or Active Merchant Services Account

Non-Profit Interest Checking
To qualify for our Non-Profit Interest Checking account, you must be a 501(c) or small business account such as a bowling league, class reunion organization, etc.

  • No Monthly Fee
  • $500 Minimum Daily Balance to Earn Interest
  • No Minimum Deposit to Open Account


Route 31 Credit Union is now offering small business loans.  We are here to help our local community businesses as you grow.  Give us a call or apply online.

  • Line of Credit
  • Equipment and Vehicle Loans
  • Commercial Real Estate Mortgages
  • SBA (Depends on Partner)

Merchant Services/Payment Solutions

Route 31 Credit Union has partnered with Elavon to offer Merchant Services to our member businesses to help them save money.  They have customized payment solutions to help businesses based on your needs.  This includes seasonal businesses, vendors that sell at Arts and Craft Fairs, and Farmers selling at the Farmer’s Market.  Monthly checking account fees are waived if your business has an Active Merchant Services account.

  • ACH: Originating Payroll Deposits, Cash Management Transfers, Vendor Payments, etc.
  • Check 21
  • Remote Deposit Capture (RDC)
  • Get Paid Fast
  • Same Day Funds
  • Secure
  • Payments: Accept On-Line, In Person and Over the Phone
  • 24/7/365 Support
Ideal for the Following Business Types:
  • Retail
  • Hospitality
  • Restaurant 
  • Health Care
  • Professional
  • E-Commerce