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Business Banking at Charlotte Metro


Since 1962 Charlotte Metro Credit Union has been providing banking services to the citizens of Charlotte and the surrounding communities under a single guiding principle: people should be helping people succeed.

In 2008 we began applying that principle to business banking.

Now, Charlotte Metro is reaching out to small businesses in our region to offer the same affordable banking services and lending solutions that we’ve provided to the retail market for over 45 years. Whether you have a start-up sole proprietorship with big dreams or an established small business with growing lending needs, Charlotte Metro has what it takes to help you meet your goals.

Just take a look at some of the advantages that come with doing your business banking with Charlotte Metro:

Interest on business accounts — No complicated sweep accounts to manage or confusing formulas to master. Your idle cash earns you interest.

QuickBooks ® — We recognize that many of our business members utilize software to make running their business easier. Take advantage of our free download capability.

Experienced business banking professionals — Our business banking team brings together a knowledge base from business banks all over the country. And what they care about most is learning about your business's strengths and challenges and developing a plan to help you meet your goals.

Local decision makers — Our professional lenders and loan committees are right here in Charlotte, guaranteeing fast turnaround on most lending decisions.

Payroll Services — Wide range of both full-service and self-service payroll and HR services.

Merchant Services — Accept credit and debit cards as well as electronic payments, paper checks, money orders and traveler's checks.

Business Lending

Charlotte Metro offers the following types of business loans:

Commercial Real Estate Loans
Equipment Loans
Term Loans
Lines of Credit
VISA Business Credit Cards

Call one of our business lending experts at 704.375.0183 to get started today!



Charlotte Metro Business Banking Solutions:

Business Basic Checking

For the small business with general banking needs, Business Basic Checking is the solution of choice. With a $100.00 minimum opening deposit, your checking account pays you a fixed rate of interest (compounded/credited monthly based on average daily balance) and includes 200 free items each month.* And the low $5.00 monthly maintenance fee is waived if you maintain a monthly average balance of $2,000 or more.

Business Premier Checking

Charlotte Metro’s Business Premier Checking offers the larger business the flexibility it needs to maximize its return on idle funds. It only takes a $100.00 minimum opening deposit. Our tiered interest rates (compounded/credited monthly based on average daily balance) allow you to earn higher rates for higher balances. (Please talk with one of our business banking representatives to get the latest rates.) You’ll also get 400 free items per month* and the $15.00 monthly maintenance fee is waived if you maintain amonthly average balance of $5,000.

* Accounts with balances less than $250,000 , 400 items each month at no charge. For Business Premier Checking accounts with balances of $250,000 and above, 600 items each month at no charge. Includes checks deposited, checks cleared and ACH transactions (not to include ACH origination transactions initiated through CMFCU Business Online Banking).

Becoming a Business Member

Ready to join Charlotte Metro and start enjoying the benefits of membership? It's easy!

To open your business account, stop by any of our eight convenient branch locations and simply open up a membership share account (savings account) and deposit the required minimum balance of $25.00. Your business checking, money market, debit cards (and many other products and services) can be set up the same day!

Business Partners

Become a Business Partner today! Add this free service to your employee benefits package and give your company a competitive edge in attracting and retaining valuable employees. Email us at to set up an appointment with our Corporate Business Manager today!