Business Accounts

At Old Hickory Credit Union, our mission is to help small business thrive in the communities we serve. We listen to the needs of our business members and offer a full package of solutions based on the need. Our business solutions team is here to help you choose the solution that fits your need for growth and profitability.

Products that Old Hickory Credit Union offer include:

Business accounts
Business money market
Multiple lending solutions
Merchant services
Employee discount programs
Re-loadable Cards
OHCU@Work, Our employee benefit program

Business Lending

If you need a loan for your business, contact us to schedule a loan consultation. For more information call (615) 847-4043.

We offer two Business Checking accounts: Business Advantage and Business Money Market. Here is a comparison of their services:

Business Advantage VS. Business Money Market

Services	Business Advantage	Business Money Market
Monthly service charge	No	No
Minimum balance	No	$500
Items (ACH debits/ credits, deposits, withdrawals, & drafts)	First 500 items free per month, then .05 per item over 500.	No check writing available with this account.
Earns dividends	Tiered dividends paid on daily balance up to $500,000. See current rate sheet for rates.	Tiered dividends paid on daily balance over $50,000 and up to $500,000. See current rate sheet for rates.
Bill pay	$4.95/month or Free when you pay at least one bill per month.	N/A
Cash Transactions	First $5000 free, then $.15 per $100 over $5000.	FREE
E-Statements	Available	Available
ATM Fees	Free and unlimited at OHCU-owned machines.	N/A
Overdraft Protection from Savings or Business Money Market	Available*	Available*
ATM/Debit Card	Two free cards per account, $7 one-time issuance fee for each additional card and for replacement cards.	N/A
Debit Card usage	Free	N/A
Other Services	Free business loan consultation	Free business loan consultation

*Courtesy service that charges $36.00 per item (check, debit card transaction, or ACH debit). Member must qualify for the Overdraft Privilege Program and has 30 days to bring the account to a positive balance. Overdraft limit is assigned based on total monthly direct deposits. See Overdraft Privilege for more details.

At Old Hickory Credit Union, we offer members lending solutions that help businesses reach their goals. All credit decisions are made locally and we strive to provide the quickest turnaround possible for our members.

Business Loans Solutions

Commercial Real Estate
Investment Real Estate
Commerical Land Loans

Products themselves are far less interesting than the positive effects they create in our communities. Giving businesses access to the solutions they need creates growth, jobs, and stronger communities.

For more information or to learn more about applying for a business loan, please contact our business solutions team by either email or by calling us at 615-847-4043. We look forward to assisting you!

Businesses today want to offer their employees the most robust benefits packages possible while keeping costs manageable. At Old Hickory Credit Union, we realize that evaluating all expenses and stretching every dollar to its fullest is the ultimate concern. Consider adding our OHCU@work program as a free added benefit to your company’s benefits package. OHCU@work, by Old Hickory Credit Union, offers companies an opportunity to extend credit union membership to its employees. We’ll take care of everything from opening new employee accounts and handling account transactions, to being available on site at your company whenever needed to answer questions for new and/or current employees.

OHCU@work offers your employees financial security and independence. From loans, to checking accounts, to mortgages, to insurance services, your employees and their families will find products to meet all their needs.

Contact us today to find out more about partnering with Old Hickory Credit Union, with OHCU@work. You can reach us by phone at 615.847.4043 ext. 7135.