Business Checking
Here for you
Just need a simple and free checking account? One that pays interest? Want to offset fees with an earnings credit? Jovia is here for you. Our Checking accounts feature low opening balances, generous thresholds and the option of a low-rate Line of Credit for overdraft protection.
Jovia Business Checking Benefits:
Free Business Checking
- Zero monthly fee
- $100 minimum to open
- Remote check deposit, first 350 items free; 20 cents each after
- Free online banking with Cash Management Basic
Business Checking with Interest
- $100 minimum to open
- Low $10 monthly fee
- Remote check deposit 10 cents per item up to 200; 20 cents each after
- Competitive APY*
- Free online banking with Cash Management Basic or opt for our Cash Management Plus for a greater level of service
Business Earning Credit Checking
- Low $10 monthly fee
- Remote check deposit 10 cents per item up to 200; 20 cents each after
- Variable Earning Credit Rate reduces or eliminates fees
- Free online banking with Cash Management Basic or opt for our Cash Management Plus for a greater level of service
Plus, be sure to check out Jovia’s Professional Services Accounts offering Escrow, IOLA, Tenant Security, and Zero Balance options.
Meet our Business Banking Specialist
Ready to get started? Our team is here to help your business succeed. Discover how our personalized approach can help meet your financial needs by connecting with Ray today.
Ray Schwetz
Ray Schwetz
Raymond Schwetz has been an integral part of Jovia Financial Credit Union since 2008, bringing over 30 years of experience to his role as Assistant Vice President of Business Banking. His extensive background in financial services, commercial banking, and community outreach allows him to expertly manage Jovia’s Business Banking Unit.
Previously, Ray served as Community Relations Director, where he excelled at building relationships and promoting business development. His innovative approach and strong community ties make him a trusted advisor for members seeking tailored banking solutions.
Ray’s professional journey includes roles at New York Community Bank, TIAA-CREF, and WaMu/Chase. He’s also actively involved in local non-profits and hosts "Tower Talk," a business talk radio show on 90.3 WHPC. Ray’s leadership extends to his role as Vice Chair of Jovia’s Community Involvement Committee, where he supports numerous Long Island charities.
For personalized business banking solutions, connect with Ray and discover how Jovia can support your financial needs.
* APY = Annual Percentage Yield. Business account offerings, rates, and product features are subject to change without notice.