Business Accounts

CARES Act & Small Business Loan Assistance information

Small business lending

Business accounts with limitless potential

We have a business account to fit your needs. Find the business account applications below. Book an appointment at any location with a business account specialist today. Don’t see everything you’re looking for? Contact us to build an account specific to your needs.

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What we do…


an unincorporated business owned by one individual or a husband and wife

Business Application


an unincorporated business owned by two or more people

Business Application


a special kind of company that shares characteristics of a corporation and a partnership

Business Application


these entities are neither LLC’s or General Partnerships

Business Application


an entity created by law, limiting liability to corporate assets. Ownership is evidenced by shares of stock and operated officers elected by a Board of Directors

Business Application


an organization of two or more persons organized to promote a common interest

Business Application

Merchant Services

About EMS

Electronic Merchant Systems has been helping small to mid-sized business owners realize their full potential since 1988. Headquartered in Northeast Ohio, EMS currently has sales offices in over 100 U.S. cities. EMS provides trouble-free deployment of customizable payment applications that will increase business profitability. EMS currently services tens of thousands of retail, internet, and start-up businesses nationwide by handling over $3 billion of their annual credit & debit card transactions.

  • Beyond Payment Processing
    We help our merchants stay competitive with the Big-Box stores by providing them with programs & services such as Point of Sale System Solutions, Web Hosting & Design, Gift & Loyalty, Marketing, and more.
  • Dedicated Support
    EMS is committed to excellence in all areas, including customer service. Our Cleveland-based, live support team is accessible to our Merchants 24/7/365 by phone, email, and live chat.
  • Dependability You Can Trust
    Electronic Merchant Systems is committed to helping businesses grow and is proud to have a 4.7-star customer satisfaction rating on Google from over 800 customer reviews. EMS is also recognized with an A+ rating from the Better Business Bureau.

Find out more in the EMS Booklet. Download here

Request EMS

Business Lending

Are you looking for Business Lending? Find out more HERE 

Your HR connection and Employee benefits

Offer your employees additional benefits just for banking with South Bay Credit Union, find out more HERE


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