Money Management
Be free, enjoy your work
We understand the struggles that small businesses face day in and day out. We know the limitations that running a business pose on time and resources, and we know that those limitations can affect the quality of the work, the effectiveness of the employees, and ultimately the happiness of customers.
Jovia can help small business owners remove the drudgery of managing a business and make business owners be free to focus on the things that matter.
Jovia offers an array of banking services designed to make managing your business easier
Cash Management Services
Rely on us to help you handle your finances so you can focus on managing your business.
Payroll Services
Puts the drudgery on us so you can be free and focus on the things you like the best.
Merchant Services
Set up your business for success by with smart point-of-sale solutions.
Professional Service Accounts
Specific situations call for specific accounts. Manage your money with these flexible accounts.
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.