BUSINESS CHECKING
Checking Solutions Designed for You
At Jovia, our business checking accounts are built to be simple, flexible, and affordable. With options that include no monthly fees and competitive earnings, you can choose the account that fits your business needs today and supports your growth tomorrow. Our checking accounts feature low opening balances, generous thresholds and the option of a low-rate Line of Credit for overdraft protection.
Comparison ChartCompare Business Checking |
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| Free Business Checking | Business Checking with Interest | Business Earning Credit Checking |
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No-fee Business Checking |
Business Checking with a competitive APY* |
Variable Earning Credit Rate reduces or eliminates fees |
| View Rates | View Rates | View Rates |
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MONTHLY FEE |
MONTHLY FEE |
MONTHLY FEE |
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$0 |
$10 |
$10 |
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MINIMUM TO OPEN |
MINIMUM TO OPEN |
MINIMUM TO OPEN |
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$100 |
$100 |
$100 |
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REMOTE CHECK DEPOSIT |
REMOTE CHECK DEPOSIT |
REMOTE CHECK DEPOSIT |
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First 350 items free; |
$0.10 per item up to 200; |
$0.10 per item up to 200; |
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ONLINE BANKING |
ONLINE BANKING |
ONLINE BANKING |
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Free with Cash Management Basic |
Free with Cash Management Basic or opt for our Cash Management Plus for a greater level of service |
Free with Cash Management Basic or opt for our Cash Management Plus for a greater level of service |
Business Overdraft Line of Credit
Business Overdraft Protection When You Need It
Protect your business from the unexpected with a Business Overdraft Line of Credit. This flexible solution helps you manage cash flow gaps and cover shortfalls with ease, so your operations stay on track. Linked directly to your business checking account, it provides peace of mind when timing and expenses don’t align.
Learn more about how a Business Overdraft Line of Credit can support your cash flow.
Professional Services Accounts
Specialized Accounts for Professional Needs
Be sure to explore Jovia’s Professional Services Accounts, designed for specialized business needs. Whether you're managing Escrow, IOLA, Tenant Security, or Zero Balance Accounts, these solutions offer the structure and support to help streamline your financial operations.
Learn more about how these accounts can support your business.
Meet the team
Meet our Business Banking Specialist
Ready to get started? Our team is here to help your business succeed. Discover how our personalized approach can help meet your financial needs by connecting with Ray today.
Ray Schwetz
Ray Schwetz
Raymond Schwetz has been an integral part of Jovia Financial Credit Union since 2008, bringing over 30 years of experience to his role as Assistant Vice President of Business Banking. His extensive background in financial services, commercial banking, and community outreach allows him to expertly manage Jovia’s Business Banking Unit.
Previously, Ray served as Community Relations Director, where he excelled at building relationships and promoting business development. His innovative approach and strong community ties make him a trusted advisor for members seeking tailored banking solutions.
Ray’s professional journey includes roles at New York Community Bank, TIAA-CREF, and WaMu/Chase. He’s also actively involved in local non-profits and hosts "Tower Talk," a business talk radio show on 90.3 WHPC. Ray’s leadership extends to his role as Vice Chair of Jovia’s Community Involvement Committee, where he supports numerous Long Island charities.
For personalized business banking solutions, connect with Ray and discover how Jovia can support your financial needs.
* APY = Annual Percentage Yield. Business account offerings, rates, and product features are subject to change without notice.