Quick Summary: Opening a business bank account at a credit union requires basic business and owner documentation. Local credit unions also offer personalized guidance and benefits tailored to Southern Nevada businesses.

Starting or growing a business in Southern Nevada comes with enough challenges, opening a business bank account shouldn’t be one of them. Whether you’re opening a storefront or an ecommerce business, having the right account helps separate personal and business finances while building credibility.

Credit unions may have slightly different requirements than large banks, but the process is often more straightforward and relationship driven.

Basic Documents You’ll Need

Most credit unions require documentation that confirms your business identity, ownership and structure. While exact requirements can vary, business owners should be prepared to provide:

• Business formation documents, such as articles of organization or incorporation.
• Employer Identification Number (EIN) from the IRS, or Social Security number for sole proprietors. Visit the IRS website to learn more about EIN requirements and how to apply.
• Business license issued by the state, county or city. To get started, visit the Clark Country website to learn more about applying for a business license in Southern Nevada.
• Operating agreement or partnership agreement, if applicable.
• Personal identification for all owners or authorized signers, such as a government-issued ID.

Additional documentation may be requested depending on the business type, number of owners or account services selected.

How Credit Union Requirements May Differ

Credit unions tend to take a more personalized approach. Instead of a one-size-fits-all checklist, staff often review documents with you and explain what’s needed based on your specific business. This can be especially helpful for first-time entrepreneurs or family-owned businesses navigating compliance for the first time.

Benefits of Opening a Business Account 

For Southern Nevada businesses, opening an account at the credit union offers several advantages:

• Local expertise from a team that understands the regional business landscape.
• Competitive fees and rates are designed to support small and mid-sized businesses.
• Personalized service with real people, not call centers.
• Convenient tools, including online banking, mobile deposits and business debit cards.

Because credit unions are member-owned, earnings are reinvested into better services and pricing, not shareholder profits.

Preparing Before You Apply

Before visiting a branch, gather documents, confirm your business structure and identify all authorized signers. Having everything ready helps streamline the process and ensures you choose an account that fits your cash flow and transaction needs.

Move Your Business Forward 

Opening a business bank account is more than a formality. It’s a foundation for growth. With guidance from the credit union, local business owners can open accounts with confidence and focus on building what comes next. Call our commercial team at 702-228-2228 or visit www.CCCULV.org to open your business account.