How can we help you grow?
The right loan can help your business flourish.
Take a look at our options.
-
1
Start Your Application
Create an account if you are a first time user.
-
2
Select you loan
We offer a loan for all your needs.
-
3
Complete your application
You will be prompted for information and may receive notifications to the email address provided.
Additional Resources
I love working with the staff at Zing Credit Union. They are very professional and put the customer first. I have opened a personal checking and business account with Zing Credit Union and love it. I would encourage people to use Zing Credit Union over major banking institutions. They have the best interest rates for businesses, car loans, and mortgages.
-
Yes, all our memberships have online and mobile banking. As a business member you will have more options under the online platform that will help your business with their operating activities.
-
No. Only the person(s) authorized to open the account should come in, or apply online. However, we still need the date of birth, social security number, (ID? What does this mean? ID #? Of a driver’s license?), and address of all of the owners of the business, even if they are not going to be signers on the account. Also, we required an operating agreement, incorporations agreement, minutes or partnership agreement indicating who is authorized to manage the business account with Zing.
-
No. We are required to have a certificate of good standing stating that the business is active and in compliance with the Colorado Secretary of State.
-
No, we offer our Simply Business Checking and Business Analysis Checking accounts.
-
Yes, as long as the business is operating and registered in Colorado and is within the counties of Adams, Arapahoe, Denver, or Jefferson, you can open a business account.
-
We partner with Total Merchant Concepts (TMC). We will refer you to them and they will guide you on the best merchant option for your business needs.
-
All business accounts come with a debit card and your business name is embossed on the front of the card plus the signer’s name.
-
Our business membership is your savings account and your checking account is your operational account.
-
No, any account signer can sign the business checks associated to the account.
-
No, the business has to be operating and registered under the Colorado Secretary of State.
-
No, we do not have startup loans. However, we partner with Mi Casa, RMMFI and Dream Spring that have programs and funding options for startup businesses. You may also want to consider a HELOC or other personal loan for funds to start a business.
-
Please refer to our Business Account Checklist.
-
Yes! A CD or Money Market can be added to your business membership. Click here to see our current rates.
-
Yes! Once your checking account is opened, you will receive your Visa® debit card.
-
Our opening deposit for businesses is no different from our personal accounts. Zing Credit Union requires $25 to open a membership.
-
We offer two types of business accounts to meet your business’s needs.
- Simple Business Checking
- Business Analysis Checking
For complete details, please refer to our business checking disclosure:
-
Yes! We have a section within our online banking platform designed for our business members.
-
Whomever is going to manage, control, or have access to the account.
-
To open a Zing business account, you will need the items in the following checklist: Download Business Account Checklist
Get the App
TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
Leaving Our Website
You are leaving Zing Credit Union’s website. Zing does not control this site and is not responsible for the content, products, or services available on the linked site. The credit union does not represent the third party or the member, if the two enter a transaction. The privacy and security policies of this linked site may differ from our own.
Press “Continue” to proceed, or press “Stay on This Page” to remain here.