Business membership

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(208) 619.4001 in Idaho
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Let’s join forces.

Frank would like to meet you and so would we.

There are some things we need to go over first.

Business owners, find your business type and we'll let you know what you need to complete your membership.

Once you have everything ready, get in touch with us. Our team will help set up your membership and review your options for reaching your business goals.

Corporation.

Tax ID#: Employer identification number (EIN) of corporation.
Documents: Articles of Incorporation; Bylaws; assumed business name (ABN) or doing business as (DBA) (if using trade name), and beneficial ownership documentation.

Registration.

All corporations must be registered with the Idaho Secretary of State or Washington Secretary of State. Membership eligibility must be met. Additional items may be required and may vary by state.

LLC.

Here's what you need:

Tax ID#: Employer identification number (EIN) of your LLC.
Documents: Formation documents, certificate of organization/formation, operating agreement, and beneficial ownership documentation.

Registration.

All LLCs must be registered with the Idaho Secretary of State or Washington Secretary of State. Membership eligibility must be met. Additional items may be required and may vary by state.

FYI.

If the LLC members/managers are different from those listed on the Secretary of State, an operating agreement is required to determine full ownership and control of entity.

Nonprofit corporation.

Tax ID#: Employer identification number (EIN) of nonprofit corporation.
Documents: Articles of incorporation, bylaws, assumed business name (ABN) or doing business as (DBA) (if using trade name), meeting minutes and letter of authority (if part of a national organization).

Registration.

All nonprofit corporations must be registered with the Idaho Secretary of State or Washington Secretary of State. Membership eligibility must be met. Additional items may be required and may vary by state.

Nonprofit organization.

Tax ID#: Social Security Number (SSN) of responsible individual.
Documents: None.

Partnerships.

Tax ID#: Employer identification number (EIN) of partnership.
Documents: Partnership agreement, assumed business name (ABN) or doing business as (DBA) confirmation if doing business under a name other than the partnership name, and beneficial ownership documentation.

Registration.

All partnerships must be registered with the Idaho Secretary of State or Washington Secretary of State. Membership eligibility must be met. Additional items may be required and may vary by state.

Sole proprietor.

Here's what you need:

Tax ID#: Social Security number (SSN) or employer identification number (EIN) of the sole proprietorship.
Documents: Registration of trade name (if applicable).

Registration.

All sole proprietors must be registered with the Idaho Secretary of State or the Washington State department of revenue. Membership eligibility must be met. Additional items may be required and may vary by state.

Disclosures.

Beneficial ownership

A beneficial owner is anyone with 25% or more ownership in the business — regardless of whether the person is a silent partner or listed on your business documentation, involved in managing the business or a signer on accounts.

Please provide the following information about all beneficial owners to your STCU business services representative:

Full legal name and physical address.
Date of birth and Social Security or tax identification number (TIN).
Percentage of ownership in the business.

Beneficial ownership identification must be completed in person or with a photocopy of the person's government-issued identification.

Beginning January 1, 2024, as a result of the Corporate Transparency Act of 2021, many U.S. companies will be required to report information about their beneficial owners directly to the Financial Crimes Enforcement Network (FinCEN). STCU’s collection requirements for this information have not changed, but are expected to in the near future as the rollout of this new regulation continues. Additional information, resources, and requirements can be found at fincen.gov/boi.

Sole Proprietorships and nonprofits are exempt from the beneficial ownership requirement.