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Woman Managing Business

The Products You Need for Managing and Tracking Business Expenses

Learn more about the different products you can use to make tracking and managing your expenses as a business owner easier.

Running a flourishing business means overseeing a constant flow of money. Luckily, though, there are products that can help you cover, manage and track your business expenses effectively and smoothly. Let’s take a look at some of them.

Business checking accounts

A designated business checking account can help a business manage and track expenses, taxes and revenue. Separate accounts also protect the business owner from losing personal assets if action is taken against the company. Business owners can use their checking accounts to deposit checks made out to their company and to cover business expenses, such as payroll or paying suppliers. Learn more about Listerhill's business checking account options.

Business savings account

A business savings account is an account designated for funds to be used in case of emergency or for future business expenses. The money in this account will grow at a greater dividend rate, but access to funds is more limited. Listerhill's Business Share Savings account accrues competitive interest and only requires $5 to open. Learn more about Listerhill's Business Share Savings account.

Business credit card

A business credit card provides small business owners with easy and unsecured access to a revolving line of credit. The business owner can use the credit to withdraw cash as necessary, cover large expenses, make purchases, fund expansion or meet monthly bill payments.

A business credit card is easier to qualify for in comparison to a business loan, but will nearly always have a higher interest rate. However, if the business owner is careful only to use the credit card when it is absolutely necessary and pays the bill before it’s due, interest will not accrue. With Listerhill's business credit card, you can get awesome perks like a low fixed rate, multiple user access, merchandise rewards and a flexible credit limit. Learn more about what you need to open a business credit card with Listerhill.

Tax software

Tracking business expenses and marking which can be deducted from a company’s tax liability can be super-challenging. Tax software designed for businesses makes this task easy. Business tax software, like H&R Block, Quickbooks, TaxAct and TaxSlayer, can track all the expenses of a business and help owners file taxes efficiently and easily.

Money management apps

Managing expenses for a small business isn’t easy. Fortunately, there’s an app for that! Money management apps like Mint, Truebill and ZohoBooks, allow businesses to track and review all their expenses in one convenient location. Chart expenses on colored graphs, categorize them for easier tax filing and link accounts for automatic syncing of expenditures and income.

Want to learn more about the business products we offer? Click here.

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Frequently Asked Questions

  • What if I get an error message when I try to enroll an email address or U.S. mobile number?

    Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 256.383.9204 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

    Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Listerhill Credit Union banking app and online banking. Please call our member support team at 256.383.9204 for help.

  • Is my information secure?

    Keeping your money and information safe is a top priority for Listerhill Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • I'm unsure about using Zelle® to pay someone I don't know. What should I do?

    If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

    These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Listerhill Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

  • Will the person I send money to be notified?

    Yes! They will receive a notification via email or text message.

  • How long does it take to receive money with Zelle®?

    Money sent with Zelle® is typically available to an enrolled recipient within minutes.3

    If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3

    If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

    If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

    Still having trouble? Please contact our member support team at 256.383.9204.