Business Banking Services
Your business deserves a financial services partner who knows your name.
At Jackson County 1st Credit Union, we don't route you to a call center. We don't hand your file to someone in another state. We sit across the table from you — right here in Jackson County — and we make decisions locally.
For 70 years, we've served the people and businesses of this community. We're not a big bank. That's exactly the point.
Banking Built for Jackson County Business Owners
Whether you're a sole proprietor, a growing small business, or an established local employer, Jackson County 1st gives you the financial tools — and the personal attention — to move forward.
As a member-owned credit union, you're not a customer here. You're a member-owner. Our mission isn't to maximize shareholder returns. It's to serve you.
Business Checking
Run your business without the runaround. JC1st Business Checking is straightforward, affordable, and backed by a local team you can walk in and talk to any day of the week.
No hidden fees or surprise charges
Unlimited transactions
Online and mobile banking, 24/7
ACH and direct deposit capability
Business debit card
Complimentary first check order
Local support — always a real person
Business Savings
Every strong business builds reserves. Our business savings options are designed to help you grow your financial cushion — and earn a competitive return while you do it.
Competitive dividend rates
Share certificates for guaranteed returns
Low minimum balance requirements
The Jackson County 1st Difference: Concierge Business Banking
When we say personal service, we mean it.
A dedicated contact who knows your business — not a ticket number
Same-day callbacks from staff with the authority to actually help you
In-person appointments at our Marianna branch, on your schedule
No automated phone trees. No offshore call centers. Ever.
Decision-makers you can sit across from — for every loan, every question, every time
This isn't a differentiator for us. It's just how we operate.
Ready to Get Started?
Opening a business account with Jackson County 1st is simple. Stop by our branch in Marianna, give us a call, or fill out the form below — and you'll hear from a real person on our team, fast.
Community News
Frequently Asked Questions
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A Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the Credit Union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A Credit Union doesn't operate in that manner. Rather, each Credit Union member owns one "share" of the organization. The user of Credit Union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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The first Credit Union cooperatives started in Germany over a century ago. Today, Credit Unions are found everywhere in the world. The Credit Union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated Credit Union, opened its doors in 1909. Today, one in every three Americans is a Credit Union member.
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The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, Credit Unions have traditionally made loans to people of ordinary means. Credit Unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, Credit Unions return earnings to members in the form of dividends or improved services.
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Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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A Credit Union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.