Business Services

"CODE has gone out of their way to respond to our financial needs."

Randy Willhelm of Advanced Medical Equipment

Regardless of the size of your business, CODE Credit Union has the products and services designed to partner with you for your success. Non-profit groups such as churches and professional organizations also will benefit from these affordable services.

As a local member-owned financial institution since 1940, you can depend on CODE to serve the financial needs of your business. Minimal fees, customized financing and high deposit yields are just a few of the reasons to open a CODE Credit Union Business Account, such as:

Business Savings

Grow your business with the help of a CODE savings plan. CODE savings are federally insured up to $250,000 through NCUA, the National Credit Union Administration, an agency of the U.S. Government.

Business Checking

Low fees, flexibility and convenience make a CODE Business Checking Account an economical way to manage your finances. Just a minimum $50.00 deposit will open any of CODE's Business Checking Accounts. CODE offers 3 checking plans - we can help you choose the one that's just right for your business.

Business Loans

Not a one-size-fits-all service, CODE works with businesses to customize loans to fit the business' needs. Our quick response time will get you the answers you need in a timely manner.

Commercial Real Estate Loans - Purchase or refinance, construction, expansion and renovation of owner occupied and investment real estate. Our loans offer:

  • Conventional Financing
  • Fixed and Variable Rates
  • Loans up to $5,000,000
  • Amortizations up to 20 years
  • Flexible terms

Term Loans - Purchase or refinance of machinery, equipment or other capital assets; permanent working capital; business acquisition and debt consolidation. Our loans offer:

  • Fixed and Variable Rates
  • Loans up to $1,250,000
  • Amortizations up to 7 years
  • Flexible terms

Revolving Line of Credit - Available for any general business purpose. You could qualify for:

  • Revolving facilities up to $1,000,000
  • Variable Rates
  • Access available through business checking account

Merchant Services

Accepting electronic payments can increase your sales, cash flow and customer satisfaction. User-friendly and affordable, CODE has partnered with TransFirst merchant services to provide businesses with a complete merchant services program. Your business will be able to accept Visa, MasterCard, American Express, Discover, and other select credit and debit cards.

Through partnering with TransFirst we can offer:

  • Competitive pricing
  • 24/7 technical support
  • Easy to use, state-of-the-art equipment
  • Detailed account information via real-time Web-based reporting system or fax

Allow your customers the freedom and flexibility to pay how they wish. Contact CODE via e-mail or by calling 937-222-8971 for more information or a cost comparison of your current merchant services account.

Other Services

Harrison Financial Group - HFG, the investment management firm located at CODE Credit Union, offers a variety of financial services to benefit businesses and their employees. From a small entrepreneurship to a large company, HFG can tailor an employee retirement plan or employer sponsored 529 College Savings Plan to meet your needs. For a consultation at no cost or obligation, contact Kevin Green at
937-222-8971, Ext. 6513.

For information on DROP options to maximize your retirement, click here

Access24 Internet Banking and Bill Payment - Access24 is a quick, easy and secure way to view and manage your CODE accounts 24 hours a day, 7 days a week. With FREE Access24 Internet Banking you can:

  • Make accounts transfers, obtain balances, verify deposits and view cleared check images
  • Obtain Visa information and pay your Visa bill online with Cardview Online
  • Sign up for E-statements
  • And so much more

Bill Payment takes the stress out of paying your bills and looking for stamps. Easily schedule payments, have your recurring bills paid automatically and conveniently view your past payment history.

ATM and Visa Debit Cards - Fast and easy access to your CODE accounts. Never wait in line again to get cash. Use your card for transactions 24/7 at any of the thousands of STAR® and Plus® ATMs conveniently located where you live, work or shop. Purchases or services will automatically be deducted from your CODE Checking Account when you use your Visa Debit Card everwhere debit cards are accepted. Just present your card, sign the receipt and be on your way.

CODE is a member of the Alliance One network of ATMs, just look for the blue and white Alliance One logo. Visit CODE's drive-up ATM at 355 W. Monument Ave., Dayton and 415 W. National Rd., Englewood.

*ATM and Visa Debit Cards are only available for sole proprietorships and limited partnerships.

PAT Audio Response - PAT, CODE's Personal Audio Teller, is an easy and confidential way to be in touch with your CODE accounts 24/7. When you call PAT, you are connected with CODE's computer system that provides you with up-to-the-minute account information. Call PAT to:

  • Get account balances
  • Verify deposits and checks cleared
  • Transfer funds among your accounts
  • And more

With PAT's local number (222-4PAT) or toll free number (800-564-5227) you can call from anywhere. If you do not already have a PAT access number, request one today.

No Cost Employee Benefit - Enhance your employee package without affecting your bottom line by offering CODE Credit Union membership to your employees at no cost. With no minimum participation requirements, you can offer this low maintenance benefit to your employees of your business. It's easy. E-mail us or call CODE at 937-222-8971.

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