Business Banking

When local business booms, entire communities grow. Whether you’re just starting out or looking to expand, join the Mid Minn community today. We have the experts, experience and services to help your business grow.

Together We Grow

Our Business Services Team provides you with decades of expertise supporting businesses through growth and expansion. We even have two team members who are also small business owners. Together we put our combined expertise to work helping you and your business.

Contact Us

Business Lender and Business Owner
Daily Banking

Business Checking Account

We keep things simple so you can focus on running your business. No hidden fees and many benefits such as – credit on your deposits until the end of the day, a low fee structure and even an interest-bearing option.

Business Lender and Business Staff
Daily Banking

Business Savings Account

Make money on your money by earning a higher rate of return with a Money Market Savings Account or Business Term Share Account.

Man and woman in unfinished business smiling
Lending

Business Loans

We’re local and we make decisions locally. Our experts are here to lend a helping hand with this whole “when you grow, we all grow” thing by offering competitive rates, flexible terms, and easier ways to apply for business loans.

Staff in a business
Merchants

Merchant Services

Getting paid is a big part of your business. Decreasing your fees on payment services can impact your bottom line. If you haven’t recently looked into what you are paying now is the time.

Staff using Forklift
Group Insurance

Business Insurance

You want the right coverage to protect your employees and customers, but not at an extravagant price. Our independent business insurance agency can help.

Business Lender and Business Owner standing on new land for business
Investing

Business Investments

Your sweat equity in your business is often your retirement plan too. We have investment experts to help you explore all your options.

Your Local Business Lenders

Scott Antolak Business Lender

Scott Antolak

A decade of commercial and business lending knowledge to help your business. He received a Political Science degree from Saint John’s University and a Masters in International Business from Saint Mary’s University. Contact Scott by email: santolak@mmfcu.org or by phone: (218) 822-5110.

Cody Einerson, Business Lender

Cody Einerson

The credit union difference of “people helping people” is lived out by both supporting local business owners in achieving their dreams, by serving on the Becker County United Way Board, and on the ice as an assistant coach for the Detroit Lakes High School Boys Hockey team. Contact Cody by email: ceinerson@mmfcu.org or by phone: (218) 325-6536.

Annual Financial Information Submission

As a Mid Minnesota business member please submit your financial information by using the form below for secure upload.

Please provide the following information:

Steps for uploading documents:

  • Save the Personal Financial Statement application to your computer before filling out
  • Re-save after completion
  • Upload required files to secure site below:
      • Personal Financial Statement
      • Required 2023 personal taxes for each borrower
      • Required 2023 business taxes for each entity
        Business Debt Schedule (only if you have business debt outside of MMFCU)
      • Click “Upload”
    Submit documentation here

Why MMFCU?

  • As a member, you are an owner
  • Community matters to us. We give back by volunteering, providing scholarships, grants and donations in each community we serve
  • We are local, but we make nationwide banking easy with access to your money through 5,900 credit unions and nearly 30,000 ATMs

Discover MMFCU

Frequently Asked Questions

What if I need help after hours?

When our staff is not available, you can still manage your money through online banking or mobile app services.

To report a debit or credit card lost or stolen, or that there has been fraudulent activity after hours, please call 1-866-820-8776, 24/7 and they will be able to help you.

 

How do I report my debit or credit card as stolen or lost?

To report your card as lost or stolen, please contact our staff during business hours at (218) 829-0371 and use 1-866-820-8776 for your debit card and 1-866-820-3862 for your credit card, after hours and on weekends. 

Are there additional costs to use Shared Branching?

There are no fees for basic services such as deposits, transfers and withdrawals. Please call ahead to the shared branch you will be using for additional services and any fees associated with that service.

How do I update my address?

 In Office or Drive-up

 Visit your local branch, let them know that your address has changed, and they will verify some pieces of information before updating your address.

Locations

Over the phone

Call us at (218) 829-0371 to request your address be changed. Staff will verify a few pieces of personal information before updating your address. 

 In Online Banking

Log into your online banking account and click on settings. In the upper right corner at the top click the contact tab across the top. To update your address, click the little pencil to the right it will open up an option for you to enter your new updated address. Click Save. You will have to enter a verification code that will be sent either by text or email to verify your identity. Once you have completed this, your address will update in our system automatically. If you have a PO Box for a mailing address, you will need to change your address in an office, through the drive-up or request a change of address form over the phone.

How do I transfer money to/from my account at another financial institution?
Make a Loan Payment Tool

To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.

Make a Loan Payment

Direct Pay

To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office

Set Up Direct Pay

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