Business Credit Cards

What Do I Need To Know?

1. The business entity must be listed as “Active” with the State of Florida (www.sunbiz.org).
2. Your business must be located within RadiFi’s field of membership.
3. All business owners and signers must be separately eligible for membership and all personal accounts with RadiFi must be in good standing.
4. All owners must sign to authorize account opening.
5. Additional signers must also sign the appropriate documentation in order to be placed on the account.
6. All owners and signers must have a valid/current form of government issued ID.
7. Anyone with 25% or more ownership must provide their information for the Beneficial Owner Certification Form.

How Do I Open A Business Account with RadiFi?

Please bring the following documentation to any RadiFi branch to open a Business Account:

SOLE PROPRIETORSHIP
• Copy of Driver’s License (must be current/valid).
• Proof of Employer ID Number (EIN) or Social Security Number.
• Fictitious name filing with State of Florida if using a DBA name.

GENERAL PARTNERSHIP/LIMITED PARTNERSHIP
• Copy of Partnership Agreement.
• Fictitious Name Filing if Applicable.
• Proof of Employer ID Number (EIN).
• Verification of principal business address for the business.

LIMITED LIABILITY COMPANY (LLC)
• Copy of Articles of Organization or most recent Amendment to the Articles of Organization
• Proof of Employer ID Number (EIN) (Multi-Member LLC’s) or Social Security Number (Single-Member LLC’s).
• Active Fictitious Name Filing with LLC listed as owner (if LLC is using DBA).
• Verification of principal business address for the business.

CORPORATION
• Copy of Articles of Incorporation or Articles of Amendment
• Copy of Driver’s License for all signers (must be current/valid).
• Proof of Employer ID number (EIN).
• Active Fictitious Name Filing with Corporation listed as owner (if using DBA).
• Verification of principal business address for the business.

CLUBS/ASSOCIATIONS
• Copy of Articles of Incorporation (if Incorporated), Bylaws or Minutes stating the officers representing the
organization.
• Copy of Driver’s License for all signers (must be current/valid).
• Proof of Employer ID Number (If using the EIN of another club or association then a letter from the EIN owner
giving permission to use EIN is required).
• A letter from the organization that acknowledges the account opening, confirms the authorized members able to
open the account(s), and signed by an authorized officer representing the organization.
• Verification of principal business address for the business

All new memberships are subject to review and approval. Credit union programs, services, rates, terms and conditions are subject to change at any time without notice.

Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.

Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers

You can set up same-day, future-dated and automatic recurring funds transfers. The payment must be completed by your due date but not earlier than 30 days in advance.

Example: Your due date is May 31st; you cannot make your payment before May 1st. If your due date is May 15th, you cannot make your payment before April 16th.

Check out our Digital Banking guides on how to set these up your preferred way:

• Pay your RadiFi Loan from an outside bank
• Pay your RadiFi Loan using the payment portal
• Pay your RadiFi Loan using transfers