Business Banking


Business Checking

Unlike other financial institutions, our member Business Checking is always free. Enjoy the convenience of managing your working capital without a monthly service charge. Add any of our Business Services to make it easier to keep your attention on what’s important, YOUR BUSINESS!

Share Savings

Your share savings holds your $5.00 share, your investment in our credit union. In addition, you can deposit working capital that isn’t needed immediately and earn a dividend on the account when the value is $100.00 or more.

Plateau Savings

Saving for capital investments? We have the account for you. Minimum account value of $2,500.00 required to receive a special dividend rate that increases your savings for your capital investment.

Tax Escrow Savings

Relieve the stress of receiving your tax bill through a monthly savings plan. You can even direct your tax bill to ARFCU and we will make the payment for you. Accounts with a value of more than $100.00 earn a dividend which increases your savings for taxes.

Business Purpose Loans/Lines

Loans and lines of credit up to $50,000.00. Typically used for working capital or small capital improvements. Terms up to 15 years depending on the project.

Commercial Real Estate Loans

Unlock the value of your business property to grow your business. Loan to value of the property of up to 80%. Loans reprice every 5 years and, typically, amortize over 20 years.

Equipment Financing

Whether you are acquiring new equipment to grow your business or replacing equipment that is aging, we are here to provide the financing you need. Terms between 3 and 10 years based on the useful life of the equipment.

Income Producing Property Loans

If real estate investments are part of your portfolio, this product can assist you in acquiring new or renovating existing properties. Loan to value of as much as 70% with varying terms based on the purpose of the loan.

Online Banking

You are in full control of your money with our online banking program. Take advantage of Bill Pay, which gives you the ability to pay most of your bills in one convenient location right through your Virtual Branch account, for free! No more logging into each of your bill’s individual websites. Bank-to-Bank Transfers provides you with the capability of transferring money between your accounts at ARFCU and other financial institutions. Intuit Direct Connect provides you the convenience of downloading your daily transactions directly to QuickBooks so your ARFCU account is always reconciled. Plus, you can print statements, view check images, make loan payments, and much more!

Mobile Banking

Access your bank accounts on the go from your smartphone or tablet! Download our free App from the Apple App Store or Google Play, and enjoy the freedom to bank anywhere! Enroll in our Mobile Check Deposit service and you can make a deposit simply by taking a picture of your check.  

Debit VISA® Card

Discover why the only card you’ll ever need in your wallet is your Adirondack Regional FCU Debit VISA®! Use your card for everyday purchases, and the amount is automatically deducted from your checking account. Plus, if you need cash, your Debit VISA® also serves as your ATM Card. Enjoy surcharge-free access to your money at any of CO-OP’s 30,000 ATMs across the nation.


eStatements are paperless statements stored in your Online Banking account. You will stop receiving paper statements in the mail once you enroll. It is the safe way to view, search, save and print your account statements. We’ll send you an email reminder whenever a new statement is available. To sign up, log into your account and follow the instructions on the eStatements tab.

Overdraft Protection

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At Adirondack Regional FCU, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. That is why we provide Overdraft Protection, a special overdraft service for our members.

VISA® Rewards Credit Card

Our Visa Business Rewards Credit Card gives you hometown convenience, worldwide acceptance, and great benefits! Increase your purchasing power with our credit card and enjoy benefits like competitive rates, fraud monitoring and zero fraud liability, travel benefits, 24/7 client service, and much more! Plus, earn and redeem points for merchandise, rental cars, cruises, hotels, and airline travel with no blackout dates!  If you are a current cardholder and need to access your account details, visit

Telephone Banking

Bank by phone 24 hours a day at (800) 463-1853. Check account balances, transfer money between your accounts, and stay informed on your transactions. Call your branch for a PIN to get started.

Contact Us

Tupper Lake 518-359-2921  /  Plattsburgh 518-562-0221  /  Potsdam 315-268-1440

Questions on your ATM/Debit Card?  Click here…