Smiling construction worker

Business Banking

That works as hard as you do

Your business never takes a break. Neither does our banking.

You’re putting in the hours, and we’re here to support you every step of the way with accounts designed to help your business thrive.
Find a branch to open your account
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    Business Free Checking

    Benefit from no monthly fees and no minimum balance requirements.
  • Document with calculator icon

    Business Ultra Checking

    Ideal for businesses that want to earn dividends  - maintain a minimum balance of $5,000 or more to waive fees.* 
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    Business Savings

    Choose from basic savings, money market accounts, and certificates of deposit - earn dividends and make your savings grow.

Plus, more ways to fuel your business growth.

From financing to credit options, we’ve got what you need to get started or keep expanding.

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    Business Term Loans

    Borrow a lump sum for a specific business purchase and repay the loan over a set term with a fixed interest rate.
  • Money bag with calculator icon

    Business Line of Credit

    Borrow as needed and repay over time with flexible access to funds through a business line of credit.
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    Vehicle & Equipment Loans

    Get your business on the road with competitive rates for new and used commercial vehicle loans and financing for up to 7 years.
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    Business Letters of Credit

    Protect your client and secure a job or project with a letter of credit, providing financial security if the work cannot be completed.
  • House with dollar sign icon

    Commercial Real Estate Loans

    Whether you are purchasing a new building or getting ready to open a new location, we can provide commercial real estate loans to a variety of property types.
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    Business Credit Cards

    Keep your business growing with credit lines of $1,000 - $25,000 and no annual fee with our VISA® Platinum Business Credit Card.
  • From day one of opening my business, MHV has been there for me. In the beginning, my needs were pretty simple, but after 10 years of growth, things have definitely gotten more complex. Thankfully, MHV has been there every step of the way, providing everything I need to keep my business running smoothly. As my needs have evolved, MHV always has the right solutions to help my business succeed.
    Sara F., Dreaming of the Mouse LLC
  • I have been with MHV for about 15 years. The staff has been wonderful and they know me by name. It's a nice feeling to go into the MHV Branch and not just be another number.
    Dr. Richard Solomons, Middlehope Veterinary Hospital

Digital Banking and Cash Management – at your fingertips.

Stay on top of your business finances with our suite of tools, accessible online or via our Mobile App. Simplify your money management and save time. Traditional digital banking plus:

ACH* - Send funds for payroll or vendor payments, fee free.

Wires* - Need to send money quickly? Set up and send wire transfers without having to leave the office.

Zelle® for Business - A fast, secure, and efficient way for your business to accept payments - simply provide your mobile number or email address.

*Additional fees may apply. Opt-in required.

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Time is money, save both with our business solutions.

Our comprehensive services help streamline operations so you can focus on what truly matters.

  • Point of sale system

    Merchant Services/Point-of-Sale Solutions

    Accept credit and debit cards with ease through our partner, Clover.
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    Payroll & Human Resources Solutions

    Simplify payroll with Paychex -outsourcing HR and payroll for your convenience.
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    Community Partner Program

    From financial education to onsite visits, we'll tailor a program that suits your business and employees.

Have a question? We’re here to help.

Our local team of experts are committed to providing personalized guidance and solutions. Get the information you need—whether you prefer to email, call, or visit us in person.

Commonly Asked Questions about Business Loans & Accounts

  • The documents you need will depend on the structure of your business. Please see the appropriate list below.

    Sole Proprietor / DBA
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • Copy of DBA / Sole Proprietor Business Certificate that has been filed with the County Clerk
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Partnership
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Copy of Partnership Agreement Business Certificate that has been filed with the County Clerk
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Association / Organization
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Letter from officers of organization authorizing account opening and stating authorized signers
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    Corporation / Sub S Corporation
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Copy of Corporate Filing Receipt (From Black Book)
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
    LLC / LLP
    • MHV Membership Application
    • MHV Business Resolution of Authority Card
    • MHV Certification of Beneficial Owners
    • Articles of Organization
    • Copy of LLC/LLP Filing Receipt (From Black Book)
    • NYS Driver’s License / Photo ID with street address, if a PO Box, proof of residency is required
  • You will need a Business Loan Application, in most cases a Personal Financial Statement, and various financial documents such as tax returns. For more information, request a call or appointment with a Business Lending Expert.

  • Collateral is very often required. For more information, request a call or appointment with a Business Lending Expert.
  • Yes, please visit our Business Lending page. 

  • You can download the business resolution form here. And the personal financial statement here

*Refer to our Fee Schedule for the monthly service fee to be applied if your balance falls below $5,000.