topic Business banking and relations - Need advice in Business Credit

Business banking and relations - Need advice

Manicete — Mon, 08 Jun 2026 03:51:04 GMT

So I had Chase business account in the past and they are great besides approving me for lines of credit and credit cards.

my credit was

ex- 720

eq-745

tu-760

My dti at the time was 20% and all my cards were sub 5% usage. Even after receiving two pre-approval offers I was denied twice.

i ended up switching to a local bank and although the relationship is good. The operations just can't fulfill what I need. Can only withdraw $500 from their atm, closed on weekends and doesn't transfer from my business to personal account.

So I'm looking for a new business bank yall would recommend. I was considering nfcu, but have heard that their business banking department is lacking.

Re: Business banking and relations - Need advice

Realist — Mon, 08 Jun 2026 14:07:46 GMT

I would say to myself, each credit union local to the area, along with every banking institution. Why limit yourself to only one or a few?

At the end of the day, all institutions are expendable. You only need to identify which you want to make your hub, the others your web, and perhaps whom you want to be, what I call the source of everything. The heartbeat. It's all intertwined - moving money legitimently all around.

Re: Business banking and relations - Need advice

cashorcharge — Mon, 22 Jun 2026 17:17:49 GMT

There is plenty of comments on here that NFCU business is a "challenge" to say the least and they operate in no way similar to the way they operate on the personal side.

I would stick with a larger bank. You didn't mention your locale...If possible...check into Wells Fargo.