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Business Services

Harvesters Credit Union is proud to offer a full line of business services.

Business Checking

A Business Checking account with Harvesters CU offers the ability to manage your business financial responsibilities easily and efficiently. See our schedule of fees for overdraft and non-sufficient funds fees.

  • No minimum balance
  • Low to no cost monthly service fee
  • Unlimited check writing
  • Unlimited deposits

Merchant Services

Business Members can rely on our provider, Synergy Merchant Solutions, an industry leader in merchant services, to accept various forms of payments.

  • Credit Card Processing
  • Free Processing & Equipment
  • No Contract
  • Personal Representative & 24/7 Support
  • Retail, Wireless & eCommerce Solutions
  • POS Systems
  • Visit for more information or contact Vincent Traweek at (850) 380-8300

Business Thrifty Members Account (TMA)

Our Business TMA is similar to a money market account. You’ll earn higher dividends over traditional savings accounts and your funds are liquid so you can withdraw them at any time.

  • Minimum balance to open $5.00
  • No monthly service fees
  • Unlimited deposits

Features & Benefits

  • Free interbank transfers
  • No transaction fees
  • Mobile banking with remote check deposit
  • Online banking
  • Online check images

Loan Services

With local decision making and business lending expertise, you’ll be glad to join Harvesters and tap into a network of resources to help your business grow.


  • Business
  • Commercial
  • Commercial Real Estate
  • Business Auto
  • Investment Properties
  • Multifamily Properties
  • Construction Projects
  • Equipment

Purchase & Refinance Options

  • Payment terms up to 25 years
  • 15-year note– no maturities or balloons
  • Rates adjust at years 5 and 10 (other note terms available if appropriate to deal)
  • Competitive rates based on strength of deal, loan to value, and collateral

Business Credit Cards

A credit card gives you the convenient access to make purchases on the go when your business needs it.

  • No balance transfer fees
  • No annual fees
  • No fee cash advance

Credit Express

See your sales take off with our loan program, Credit Express! Credit Express helps you attract and capture new and repeat customers with our flexible financing options.
  • Fast funding
  • Interest free financing
  • You or the customer can apply at any time on any mobile device
  • Helps Sales Representatives reach their full sales potential, so customers won’t have to walk away empty handed
  • Merchants can receive a branded financing application webpage, or customers can apply here

Harvesters Insurance Agency

Let Harvesters Insurance Agency protect your business so you can focus on what matters most— growing it.

  • General liability
  • Workers compensation
  • Property
  • Key person life insurance
  • Commercial & business auto
  • Asset protection
  • Individualized retirement plans for owner and staff

Some Helpful Links:

Establish a Florida Corporation Online FDSDC
Business License Escambia County
Business License Santa Rosa County
Employee Tax Payments EFPTS
Establish EIN Online Tax ID Number
Weekly FED Rates FED Rates
Bloomberg Business News News
SunBiz Division of Corporations
Sales Tax Department of Revenue

Required Documentation

  • Valid Photo ID
  • Business License
  • Certificate of Fictitious Name
  • Valid Social Security or Tax ID Number
  • Valid Social Security Number for each Authorized Signer
  • Valid Photo ID for Both Parties
  • Valid Social Security Number for each Authorized Signer
  • Business License
  • Written Partnership Agreement
  • Certificate of Fictitious Name
  • Valid Tax ID Number
  • Valid Photo ID for All Owners
  • Valid Social Security Number for each Authorized Signer
  • Business License
  • Articles of Organization
  • Valid Tax ID Number
  • Valid Photo ID of All Owners
  • Valid Social Security Number for each Authorized Signer
  • Occupational/Business License
  • Articles of Incorporation
  • Valid Tax ID Number
  • Valid Photo ID for All Signers
  • Valid Social Security Number for each Authorized Signer
  • Company Charter or Bylaws
  • Articles of Organization
  • Valid Tax ID Number
  • Minutes from the most Recent Meeting, Identifying Officers, Titles and Nature of the Business