Business Share Draft Account (checking)

A North Jersey Federal Credit Union Business Share Draft Account (checking) offers many money-saving benefits not available from other financial institutions. It is the share draft (checking) account you will want to use to manage your business finances on a daily basis.

• With an average daily balance of $1,000, you will earn monthly dividends
• No per deposit fee
• No per item fee
• Overdraft protection is available
• FREE Home Banking
• FREE Bill Pay
• $12 monthly service fee

Click here to fill out a Share Draft application

VISA® Debit Card

An NJFCU Debit Card lets you pay for purchases anywhere VISA® is accepted. The purchase amount is deducted automatically from available funds in your Share Draft Account. You can also use the card to access your NJFCU accounts at most ATM's.

• 8 Free Debit transactions per month at foreign machines. NJFCU and Co-op Network are always free
• Higher limits can be requested to fit your business needs. Please see a branch manager for more information.
• No monthly fee

VISA® Credit Card

An NJFCU Visa Business Platinum Credit Card* is the perfect tool to manage your cash flow, keep business and personal expenses separate, and it comes with excellent benefits and features:

• Up to 2% Cash Back on purchases
• No annual fee
• Flexible billing options
• Expense Management Tools
• Assign customized limits for each employee
• Itemized statements for each card member
• Free additional cards for your employees
• Zero liability for unauthorized purchases
• No-cost Auto Rental Insurance**
• Up to $250,000 of Automatic Travel Accident Insurance**
• Friendly Customer Service Representatives available at our toll-free number 24 hours a day

Applications are available in all of our branches or you can apply online.

Current card members may review account history, billing, make payments and contact customer service online at: www.cardmemberservices.net or call toll free 24 hours a day: 866-477-8460.

*Credit card is issued by InfiBank, N.A.
**Additional details are provided with the application.

Member Business Loans

Line of credit - When you need immediate cash flow, an NJFCU Line of Credit is the ideal short-term solution. Establish a Line of Credit today so that you will have the capital available tomorrow to use for seasonal variations in cash flow, inventory purchases, increased operating costs or other working capital needs.

Term - When you want to grow sales volume, revenue, product lines, or relationships, NJFCU offers fixed or variable-rate loans for asset purchases like equipment or leasehold improvements. Extended terms available for the purchase of more substantial capital assets. A member business loan will include any loan or line of credit (including any unfunded commitments) where the borrower uses the proceeds for the following purposes:

• Commercial
• Corporate
• Other business investment property or venture

Real estate - Location, location, location: NJFCU offers fixed or variable rate loans for the purchase or refinance of commercial and office condominiums. A great location with a good rate makes a winning combination!

Click here to download our Member Business Loan Application. Please mail in completed application to:

NJFCU
Attn: Loan Department
711 Union Boulevard
Totowa, NJ 07512

E-Merchant Credit Card Processing

Your virtual or bricks and mortar storefront needs robust eMerchant transactions that work for you! NJFCU simplifies your work with single-source financial solutions.

• Lowest cost per transaction for processing credit card and debit card sales
• Transaction can be processed face to face, phone, fax, mail order or on the internet
• Members can use their existing equipment or they can purchase or lease equipment at a low cost
• Reprogramming available for existing equipment at a small fee

Becoming a Business Member is simple and it's also a great company benefit that you can also offer to your employees.

*Business Membership is available to all persons who live, work, worship, attend school or regularly conduct business in Passaic County, the City of Newark, and the underserved areas of Essex, Union and Bergen Counties in New Jersey.

To learn more, please visit your local NJFCU branch and ask to speak to the Branch Manager. We look forward to working with you.

For more information contact your local branch manager.
Totowa
Newark
Paterson