Business
  • Business Accounts
  • Business Loans
  • Business Services
  • Business Infomation
  • Business Savings Account
  • Business Checking
  • Business Checking Plus
  • Non-profit Checking
  • Money Market
  • Business Debit Card
  • Check Re-Orders

Business Share Savings Account

  • No monthly service charge1
  • Establish a Business Savings Account with as little as $5
  • Earn dividends on your balance of $50 or more
  • Enjoy high-rate dividends on Business Savings and Money Market Accounts
  • Open additional savings accounts with high-rate dividends
  • Account information is always available via MATT Web & MATT Phone

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

1 A monthly fee of $5 will be charged if a member's cumulative average daily balance is less than $250 for the month. However, there are exceptions such as: accounts with an active loan or credit card.

Business Checking

Our minimal-cost Business Checking Account is designed to help your small business find the flexibility that fits your business needs.

  • Minimum opening deposit of $100 or more
  • No minimum balance requirement
  • Transaction fees are based on transaction activity in excess of 75 transactions
  • $7.50 monthly service fee
  • Account information is always available via MATT Web & MATT Phone
  • You'll earn dividends on a balance of $25,000 or more

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Checking Plus

Our higher-volume Checking Plus Account is a great benefit that provides a range of features to help you run your business more efficiently.

  • Minimum opening deposit of $100 or more
  • No minimum balance requirement
  • First 150 combined transactions free
  • Transaction fees are based on transaction activity in excess of 150 transactions
  • $15 monthly service fee 1
  • Account information is always available via MATT Web & MATT Phone
  • You'll earn dividends on a balance of $25,000 or more

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

1 Maintain an average daily balance of $7,500 to waive monthly service fee.

Non-Profit Checking1

We support local non-profit organizations by offering this special checking account with no monthly or transaction fees.

  • Minimum opening deposit of $100 or more
  • No minimum balance requirement
  • No monthly service charge
  • Account information is always available via MATT Web & MATT Phone
  • Earn dividends on a balance of $25,000 or more
  • No transaction fees

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

1 A non-profit organization is an organization that does not distribute its surplus funds to owners or shareholders, but instead uses them to help pursue its goals. Examples of non-profit organizations include charities (i.e. charitable organizations), trade unions, and public arts organizations.

Business Money Market Account

Earn a higher rate of return on your business funds with a minimum deposit of $1,000. Enjoy easy access to your funds with additional limited check writing capabilities and tiered dividend rates.

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Debit Card

Once you've opened a Business Checking Account, you can apply for a Visa® Business Debit Card. With the Business Debit Card, you can access your Business Checking Account when making purchases wherever Visa cards are accepted at millions of locations worldwide. With the added power of the Visa symbol, your Business Debit Card will act as your ATM card and checkbook all rolled into one. Simply present your Business Debit Card to make a purchase at gas stations, stores, and restaurants — at any merchant that accepts Visa. Your purchase will automatically be deducted from your Business Checking Account. You can even use your Business Debit Card to pay many bills and when ordering merchandise or services by phone, mail, or Internet.

  • No activation charge
  • No annual fee
  • No charge for transactions made at any of our ATMs
  • No transaction charge for Visa and/or point-of-sale transactions
  • Ability to access cash from your account at thousands of Visa/PLUS® Network ATM's, and from tellers at financial institutions around the world that display the Visa symbol
  • Transactions are itemized monthly on your account statement
  • Limited ATM deposit capabilities

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Check Re-Orders

If this is your very first time ordering checks or you want to make changes to your business name or address, simply visit one of our branch locations or contact our check provider Harland Clarke.

To make changes or for check re-orders, call Harland Clarke at (800) 503-2345.

  • Business Lines of Credit
  • Term Loans
  • Equipment Loans
  • Business Vehicle Loans
  • Commercial Real Estate
  • Business Investor Mortgage
  • Business Visa® Credit Card
  • Apply for a Business Loan

Business Line of Credit

Business Line of Credit (BLOC), is an unsecured line of credit which business members use primarily for short-term and seasonal needs.

  • Minimum line of credit amount $10,000
  • Maximum line of credit amount $100,000
  • $50 minimum withdrawal amount
  • Accessible through MATT Web, MATT Phone and all branch locations

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Term Loans

Designed for business financing for long-term needs such as:

  • Property & leasehold improvements
  • Debt Restructuring
  • Purchasing Equipment
  • New Product Introductions
  • Permanent Working Capital

The following terms exist on business term loans.

  • Fixed interest rate loan
  • Loan-to-Value Ratios Up to 90%
  • Secured
    • Minimum Loan Amount: $5,000
    • Maximum Loan Amount: $1,000,000
  • Unsecured
    • Minimum Loan Amount: $5,000
    • Maximum Loan Amount: $100,000

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Equipment Loan

Designed for business financing for long-term needs such as:

  • Property & Leasehold Improvements
  • Debt Restructuring
  • Purchase Equipment
  • New Product Introductions
  • Permanent Working Capital

The following terms exist on business term loans:

  • Fixed interest rate loan
  • Loan-to-Value Ratios Up to 80%
  • Secured
    • Minimum Loan Amount: $5,000
    • Maximum Loan Amount: $1,000,000

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Vehicle Loans

Business Vehicle Loans include financing of new cars, vans, and light trucks (up to 1 1/2 tons).

  • Competitive rates
  • Minimum line of credit amount $10,000
  • New
    • Term up to 72 months
    • Up to 100% of purchase price
  • Used
    • Term up to 60 months
    • Up to 80% purchase price or N.A.D.A. trade value (whichever is less)

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Commercial Real Estate Loans

A commercial real estate loan is for owner-occupied commercial real estate which business members use primarily as their place/location of business operations.

  • Minimum Loan Amount: $25,000
  • Maximum Loan Amount: $10,000,000
  • Loan-to-Value Ratios: Maximum of 80%

The property to be mortgaged must be 51% or more commercial-owner occupied. The property must be located in the counties of Orange, Seminole, Osceola, or Lake in the State of Florida.

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Investor Mortgage

Our Investor Mortgage is designed for business owners whose primary source of recurring income (over 50%) does not come from real estate rental activity, for sale development, or real estate investments. It is not intended for professional real estate developers or investors.

  • Minimum Loan Amount: $25,000
  • Maximum Loan Amount: $5,000,000
  • Available with maturities of 5 years with a maximum amortization generally not to exceed 15 years.
  • Maximum of 75% — loan-to-value/loan-to-cost (whichever is less)

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Visa® Credit Card

Our Business Visa® Credit Card can help manage expenses, provide purchase flexibility, and protect against fraudulent use.

  • Competitive rates
  • Minimum Line Amount: $500.00
  • Maximum Line Amount: $25,000
  • No annual fee
  • 24-hour member service access
  • Zero Liability fraud protection1
  • Account information is always available via MATT Web & MATT Phone

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Credit card disclosure statement — Terms Governing the Use of Your Card

1 The Visa Zero Liability policy does not apply ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Notify us promptly of any unauthorized use.

Apply for a Business Loan

The simplest way to apply for a business loan is to visit any branch location, where a Member Service Representative can assist you through the business loan application process. To apply for a business loan, you will need the following:

Basic Package (for loans up to $50,000.00)

  • Member Business Loan Application
  • Business Tax Return- most recent (personal tax return if sole proprietorship)
  • Completed Personal Financial Statement (PFS) on the owner(s)
  • Copy of Invoice or Sales Contract (when applicable)

Standard Package (for loans $50,000.00 to $1,000,000.00)

  • Member Business Loan Application
  • Business and Personal Tax Return- past 3 years (personal tax return if sole proprietorship)
  • Balance Sheet and Income Statement (most current)
  • Completed Personal Financial Statement (PFS) on the owner(s)
  • Completed Debt Business Schedule
  • Copy of Invoice or Sales Contract (when applicable)

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

  • Merchant Services
  • Business Vehicle Coverage
  • Payroll Services

Merchant Services

Customer convenience is a priority for any business and we're here to help you accommodate your customers through our Merchant Services Program. We've partnered with Electronic Merchant Systems (EMS) ® to offer you convenient electronic payment methods to your customers while reducing the costs associated with credit card acceptance.

There's a choice for every business. We make it easy for you to accept electronic payments from your customers in person, through the Internet or by phone. However you connect with your customers, there's an electronic payment option to help boost your bottom line:

  • Local retail shop
  • Multi-store chain
  • Internet retailer
  • Mobile business

Other benefits include:

  • A wide variety of products, services, and expertise available
  • Customer care service available to you 24 hours a day, 7 days a week
  • Low rates and additional savings
  • Package solutions available to avoid paying multiple bills and fees every month
  • Free suspicious transaction and chargeback assistance

Contact us to let us know you're interested in merchant services. EMS will take extra time to help educate you about the basics, so that you can make the best decision for your business. It's easy, efficient and most importantly, will help you grow and manage your business.

Payroll Services

Payroll services enables a business to process its weekly, bi-weekly, or monthly employee payroll.

We partnered with ADP® (Automated Data Processing) to provide our business members comprehensive payroll solutions to eliminate some of the worry of the business owner. ADP Services will alleviate the burden of maintaining payroll, tax, and compliance issues so you can concentrate on the bigger picture.

ADP Payroll Services:

  • Calculates, files, deposits, and reconciles businesses federal, state, and local taxes — Social Security, Medicare, FUTA, and even State Unemployment Insurance Premiums.
  • Helps reduce the risk of tax penalties. If the business receives a tax penalty due to an ADP error, ADP pays the penalty.
  • Prepares and submits all payroll-related returns and reconciliation reports as required by federal, state, and local tax agencies.
  • Handles the federal mandate for new hire reporting.

To learn more about payroll services, please call David Wysokowski at (407) 896-9411 or (800) 771-9411 outside Orlando, ext. 2228.

Terms and pricing are discussed between the member and ADP Payroll Services. We only serve as the referral person between the business member and ADP. We do not discuss pricing or terms with the member.

  • How to Open an Account
  • Business Basics
  • Tax Payment System

How to Open a CFE Business Account

The easiest way to open business account is to visit one of our branch locations and have a Member Service Representative walk you through the process. You will need the following documentation to open a business account, according to the type of business:

Sole Proprietorship (DBA) — Original documentation required.

  • Completed and signed Business Account Card
  • Completed and signed Authorization Designation
  • Copy of the Certified Fictitious Name Registration OR and an Occupational License along with an Acknowledgement of Filing for Fictitious Name Registration from the State of Florida.
  • Social Security Number of the business owner OR Federal Business Tax ID Number (EIN Number)

Partnerships — Original documentation required.

  • Completed and signed Business Account Card
  • Completed and signed Authorization Designation
  • Partnership agreement and Certified Fictitious Name Registration OR Partnership Agreement, Occupational License and Acknowledgement of Filing for Fictitious Name Registration from the State of Florida
  • Social Security Number of the business owner OR Federal Business Tax ID Number (EIN Number)

Non-Profit Organization — Original documentation required.

  • Completed and signed Business Account Card
  • Completed and signed Authorization Designation
  • Filed Company Charter or Bylaws, including statement confirming non-profit status with the IRS code
  • Social Security Number of the business owner OR Federal Business Tax ID Number (EIN Number)
  • Most recent Minutes of Electing Officers
  • Occupational License (if applicable)

Corporation — Original documentation required.

  • Completed and signed Business Account Card
  • Completed and signed Authorization Designation including Corporation Resolution
  • Articles of Incorporation
  • Federal Business Tax ID Number (EIN Number) and Social Security Number for all signers
  • Most Recent Minutes of Electing Officers (if applicable)
  • Occupational License (if applicable)

Limited Liability Companies (LLC) — Original documentation required.

  • Completed and signed Business Account Card
  • Completed and signed Authorization Designation including Corporation Resolution
  • Filed Articles of Organization (Incorporation)
  • Certification of Tax ID or social Security Number
  • Occupational License (if applicable)
  • EIN Verification Letter

Call Member Services at (407) 896-9411 or (800) 771-9411 outside Orlando, option 3 if you have any questions.

Business Basics

Starting a Business — Provided by IRS.gov

Operating a Business — Provided by IRS.gov

Closing a Business — Provided by IRS.gov

Electronic Federal Tax Payment System

EFTPS is a service offered free by the U.S. Department of the Treasury to help business and individual taxpayers conveniently pay all their federal taxes electronically.

Learn more.