SPIRE Business Accounts

One of the biggest obstacles to starting a business is finding a financial institution that can handle your business banking needs.

CUR offers a solution to this problem with SPIRE Business Accounts. With SPIRE gone are the days of numerous fees tied to the amount of transactions you do or tiered monthly service fees. SPIRE has one low monthly service fee which is the same if the business is a one million dollar a year business or a ten thousand dollar a year business.

Benefits of SPIRE PayChoice Payroll & HR Solutions

- One low monthly fee regardless of the number of transactions conducted or amount of funds on deposit*
- All loans are reported underneath the business TIN/EIN to help establish/build business credit
- Ability to qualify for business VISA, business line of credit, or business loans
- Unlimited Surcharge free transactions at ALL CO-OP® & CUR ATM's
- Access to over 4,200 CU Service Centers nationwide
- Free VISA debit card(s) for all signer(s) on the account
- Free E-Banking
- Free On-line Bill-pay
- No minimum balance
- Merchant Services through TransFirst

*Monthly service fee waived if business line of credit is on the account

CUR has partnered with PayChoice to offer an array of solutions for your business. They offer payroll, reporting, tax filing, compliance, HR, employee management, benefits solutions, payroll extras and more!

Contact our rep Tinay Ramey today to see how PayChoice can help your business meet its HR and payroll needs.

Contact Tina Today!

Required
Documents

Sole Proprietorship* General Proprietorship*

Copy of Photo ID for all signers
Copy of filed Trade name Registration or Colorado Business Registration if any name other than the owner's is used to title the account
Social Security Number or Tax ID Number
Franchise: Letter on corporate letterhead allowing owner to use franchise name (if applicable) Copy of Photo ID for all signers
Copy of filed Trade Name Registration
Copy of Federal TIN (SSN may be used if there is no business name)

Limited Partnership* Limited Liability Partnership (LLP)*

Copy of Photo ID for all signers
Copy of Trade Name Registration
Copy of filed Certificate of Limited Partnership
Copy of Federal TIN (SSN may be used if there is no business name) Copy of Photo ID for all signers
Copy of filed Trade Name Registration
Copy of registration statement of the LLP
Copy of Federal TIN (SSN may be used if there is no business name)

Limited Partnership Association* Limited Liability Company*

Copy of Photo ID for all signers
Copy of filed Trade Name Registration
Copy of filed Articles of Association
Copy of Federal TIN (SSN may be used if there is no business name) Copy of Photo ID for all signers
Copy of filed Articles of Organization
Copy of Federal TIN (SSN may be used if there is no business name)

Corporation* S-Corporation*

Copy of Photo ID for all signers
Copy of filed Trade Name Registration
Copy of Articles of Incorporation
Copy of corporate resolution signed by the corporate secretary naming the persons authorized to conduct business for the corporation
Copy of Federal TIN Copy of Photo ID for all signers
Copy of filed Articles of Organization
Copy of corporate resolution signed by the corporate secretary naming the persons authorized to conduct business for the corporation
Copy of filed Trade Name Registration

Unincorporated Non-profit Association* Non-profit Corporation*

Copy of Photo ID for all signers
One signer must use his/her social security number
Constitution, Articles of Association, or Written Declaration by tow or more persons
Copy of 501c3 if tax exempt Copy of Photo ID for all signers
Copy of Articles of Incorporation
Copy of corporate resolution signed by the corporate secretary naming persons authorized to conduct business for the non-profit corporation
Copy of filed Trade Name Registration
Copy of Federal TIN
Copy of 501c3 if tax exempt

*Additional documents may be requested/required at the Credit Union's discretion.

*Additional documents may be requested/required at the Credit Union's discretion.

Merchant Services Featured Products

Regardless of your business, accepting credit cards is an easy way to boost sales, expand your customer base, and reduce risk as well as the burden of billing and collections. That’s why we’ve partnered with TransFirst, one of the nations leading payment processors, to bring you in-depth industry expertise and cutting-edge technology. Plus, if your business already accepts credit card payments, our services can make your life even easier.

Our wide selection of secure and dependable, Web-based payment processing solutions and merchant programs include:
- Check verification and guarantee services
- Electronic check conversion
- Debit card acceptance
- Gift and loyalty card programs
- Wireless, handheld solutions
- Healthcare insurance eligibility verification
- PCI Standards programs

TRANSACTION CENTRAL DEMO
An IP-based, multi-terminal centralized payment processing system that is easy-to-use, flexible and customizable, TransAction Central enables merchants to add features as their needs change.

Capabilities include:
- Real-time reporting
- Batch processing
- Multi-location networking
- Recurring payments
- Integrated shopping cart
- ACH service
- Managed services
- Log in to TransAction Central here.

TRANSLINK DEMO

A comprehensive Web-based reporting system, TransLink offers merchants 24/7 access to a variety of reports such as:
- Monthly statements
- Settled batches
- All attempted authorizations
- Retrieval requests and chargebacks

Log in to TransLink here.

Get dependable credit card processing from the bank you trust. It’s fast, easy, and the benefits are virtually endless!
- Accept Visa®, MasterCard®, Discover®, JCB®, American Express®, Diners Club® and private label cards.
- Issue and accept prepaid cards such as gift, wireless or long distance.
- Access comprehensive online reports and our in-house Merchant HelpDesk 24/7.
- Obtain funds in your business checking account within two business days.
- Utilize Quick Payment Integration technology to create invoices from stored customer data in Microsoft Office Accounting and connect them to credit card transactions.

To learn more about TransFirst and its suite of products, visit www.TransFirst.com.

Partner With CUR SEG Benefits

Enhance your employee benefit package at no cost by offering CUR membership to your employees. By becoming a CUR SEG (select employment group) your business will be eligible for a business account and enjoy all the benefits of CUR membership.
A great way to enhance your employee benefit package
No cost to your business
Free materials to promote credit union membership to your employees
Direct Deposit for employees
CUR can come to any open enrollment/new hire orientations to talk about CU membership to employees

Employee Benefits Become A SEG

Click here to see the benefits your employees can receive as members.
If your company would like to take advantage of the benefits of becoming a SEG please fill out the forms below and send them to:

Marketing Specialist
Credit Union of the Rockies
607 19th St
Golden, CO 80401

Fax: 303-273-5208

E-mail
New Group Information Sheet
Small Group Application (under 1,000 employees)

One of the biggest obstacles to starting a business is finding a financial institution that can handle your business banking needs. CUR offers a solution to this problem with SPIRE Business Accounts. With SPIRE gone are the days of numerous fees tied to the amount of transactions you do or tiered monthly service fees. SPIRE has one low monthly service fee which is the same if the business is a one million dollar a year business or a ten thousand dollar a year business.
Benefits of SPIRE	PayChoice Payroll & HR Solutions
- One low monthly fee regardless of the number of transactions conducted or amount of funds on deposit* - All loans are reported underneath the business TIN/EIN to help establish/build business credit - Ability to qualify for business VISA, business line of credit, or business loans - Unlimited Surcharge free transactions at ALL CO-OP® & CUR ATM's - Access to over 4,200 CU Service Centers nationwide - Free VISA debit card(s) for all signer(s) on the account - Free E-Banking - Free On-line Bill-pay - No minimum balance - Merchant Services through TransFirst *Monthly service fee waived if business line of credit is on the account	CUR has partnered with PayChoice to offer an array of solutions for your business. They offer payroll, reporting, tax filing, compliance, HR, employee management, benefits solutions, payroll extras and more! Contact our rep Tinay Ramey today to see how PayChoice can help your business meet its HR and payroll needs. Contact Tina Today!
Required	Documents
Sole Proprietorship*	General Proprietorship*
Copy of Photo ID for all signers Copy of filed Trade name Registration or Colorado Business Registration if any name other than the owner's is used to title the account Social Security Number or Tax ID Number Franchise: Letter on corporate letterhead allowing owner to use franchise name (if applicable)	Copy of Photo ID for all signers Copy of filed Trade Name Registration Copy of Federal TIN (SSN may be used if there is no business name)
Limited Partnership*	Limited Liability Partnership (LLP)*
Copy of Photo ID for all signers Copy of Trade Name Registration Copy of filed Certificate of Limited Partnership Copy of Federal TIN (SSN may be used if there is no business name)	Copy of Photo ID for all signers Copy of filed Trade Name Registration Copy of registration statement of the LLP Copy of Federal TIN (SSN may be used if there is no business name)
Limited Partnership Association*	Limited Liability Company*
Copy of Photo ID for all signers Copy of filed Trade Name Registration Copy of filed Articles of Association Copy of Federal TIN (SSN may be used if there is no business name)	Copy of Photo ID for all signers Copy of filed Articles of Organization Copy of Federal TIN (SSN may be used if there is no business name)
Corporation*	S-Corporation*
Copy of Photo ID for all signers Copy of filed Trade Name Registration Copy of Articles of Incorporation Copy of corporate resolution signed by the corporate secretary naming the persons authorized to conduct business for the corporation Copy of Federal TIN	Copy of Photo ID for all signers Copy of filed Articles of Organization Copy of corporate resolution signed by the corporate secretary naming the persons authorized to conduct business for the corporation Copy of filed Trade Name Registration
Unincorporated Non-profit Association*	Non-profit Corporation*
Copy of Photo ID for all signers One signer must use his/her social security number Constitution, Articles of Association, or Written Declaration by tow or more persons Copy of 501c3 if tax exempt	Copy of Photo ID for all signers Copy of Articles of Incorporation Copy of corporate resolution signed by the corporate secretary naming persons authorized to conduct business for the non-profit corporation Copy of filed Trade Name Registration Copy of Federal TIN Copy of 501c3 if tax exempt
*Additional documents may be requested/required at the Credit Union's discretion.	*Additional documents may be requested/required at the Credit Union's discretion.

Merchant Services	Featured Products
Regardless of your business, accepting credit cards is an easy way to boost sales, expand your customer base, and reduce risk as well as the burden of billing and collections. That’s why we’ve partnered with TransFirst, one of the nations leading payment processors, to bring you in-depth industry expertise and cutting-edge technology. Plus, if your business already accepts credit card payments, our services can make your life even easier. Our wide selection of secure and dependable, Web-based payment processing solutions and merchant programs include: - Check verification and guarantee services - Electronic check conversion - Debit card acceptance - Gift and loyalty card programs - Wireless, handheld solutions - Healthcare insurance eligibility verification - PCI Standards programs	TRANSACTION CENTRAL DEMO An IP-based, multi-terminal centralized payment processing system that is easy-to-use, flexible and customizable, TransAction Central enables merchants to add features as their needs change. Capabilities include: - Real-time reporting - Batch processing - Multi-location networking - Recurring payments - Integrated shopping cart - ACH service - Managed services - Log in to TransAction Central here. TRANSLINK DEMO A comprehensive Web-based reporting system, TransLink offers merchants 24/7 access to a variety of reports such as: - Monthly statements - Settled batches - All attempted authorizations - Retrieval requests and chargebacks Log in to TransLink here. Get dependable credit card processing from the bank you trust. It’s fast, easy, and the benefits are virtually endless! - Accept Visa®, MasterCard®, Discover®, JCB®, American Express®, Diners Club® and private label cards. - Issue and accept prepaid cards such as gift, wireless or long distance. - Access comprehensive online reports and our in-house Merchant HelpDesk 24/7. - Obtain funds in your business checking account within two business days. - Utilize Quick Payment Integration technology to create invoices from stored customer data in Microsoft Office Accounting and connect them to credit card transactions. To learn more about TransFirst and its suite of products, visit www.TransFirst.com.
Partner With CUR	SEG Benefits
Enhance your employee benefit package at no cost by offering CUR membership to your employees. By becoming a CUR SEG (select employment group) your business will be eligible for a business account and enjoy all the benefits of CUR membership.	A great way to enhance your employee benefit package No cost to your business Free materials to promote credit union membership to your employees Direct Deposit for employees CUR can come to any open enrollment/new hire orientations to talk about CU membership to employees
Employee Benefits	Become A SEG
Click here to see the benefits your employees can receive as members.	If your company would like to take advantage of the benefits of becoming a SEG please fill out the forms below and send them to: Marketing Specialist Credit Union of the Rockies 607 19th St Golden, CO 80401 Fax: 303-273-5208 E-mail New Group Information Sheet Small Group Application (under 1,000 employees)



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