Our Business Checking Accounts are designed for the way you manage your cash flow. No matter your business size or volume of checking activity, we have an account that is right for you.
Which Business Checking Account is right for you?
Account Type
Good For
businesses with low to moderate activity
businesses with more active checking need
businesses with heavy transaction activity or use of a broad range of our services
businesses who want to scan and deposit checks from the convenience of their office
Opening Deposit
$200
$200
$200
Dividends
earned on balances
> $50,000
Monthly Paid Items
150
300
300
Monthly Deposits
20
30
30
Monthly Maintenance Fee
$5
waived with an average daily balance of $1,000 or enrollment in eStatements
$15
waived with an average daily balance of $2,500
$18
can be offset with earnings credits
$35
waived with an average daily balance of $50,000
Processing Fee for items above monthly limit
$0.25 per item
$0.25 per item
$0.25 per item
Overdraft Protection
Fee for deposits above the monthly limit
$1
$1
$1
Visa® Business Debit Card
ATM
Digital Banking
Opening a Business Account
Please review the and our helpful resources to get started. To open an account or to schedule an appointment, please contact our Business Banking Department at (800) 293-6494 or you may visit any one of our branches across Southern California.
Important Notice About Procedures for Opening an Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies all business entities and each person who is an authorized signer on an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Business Visa® Debit Card
Easily make business purchases. More convenient than cash or checks.
- No finance charges or annual fees
- A debit card can be issued for each account signer
- Make withdrawals, transfers and balance inquiries at millions of ATMs worldwide
- Make deposits at designated credit union and 85,000+ CO-OP® network ATMs worldwide
- Pay for purchases and services wherever ATM or debit cards are accepted
- Can be added to your Digital Wallet
For more information or to request a debit card, please contact our Business Banking Department at (800) 293-6494 or you may visit any branch.
Visa® Click to Pay
We’ve partnered with Visa® Click to Pay to make your online purchases simple, fast and secure.
Spotlight: Analyzed Business Checking, with Sweep and Zero Balance Accounts
Put your money to work and maximize your savings
For the business with higher account balances, the Analyzed Business Checking Account can offer a great value. With qualifying balances each month, your business can receive an earnings credit to cover some or all fees for services used during each statement cycle, such as cash deposits, check writing, ACH and wire transfers, stop payments and more. This account has no minimum balance requirement.
Our Analyzed Business Checking Account offers integrated monthly activity analysis. Earn dividends for funds not in use and maximize your use of funds with Sweep Accounts and Zero Balance Accounts.
Use this worksheet to see if Analyzed Business Checking is a good option for your business.
Sweep Accounts
Put your excess cash to work earning dividends while avoiding overdraft charges.
- Get increased returns and earn higher dividends with automatic investment of idle account balances into a Sweep Account
- Keep funds liquid
- Save time
- No per-transfer charges
- Easy setup - establish a target minimum checking balance to avoid fees
- Learn how a Sweep Account works
Zero Balance Accounts (ZBAs)
Maximize your use of funds and increase your account control.
- Separate statements for easy account management
- Maintain greater disbursement control and flexibility
- A convenient way to enhance your cash flow
- Learn how a Zero Balance Account (ZBA) works
Tools & Resources to help make your day-to-day more manageable.
Business Digital Banking
Access all of your financial tools for your business wherever you are, 24/7.
We’re here to take your financial confidence to the next level.
Dive into our Learn Center to explore various financial topics or to learn a little more about our practices.
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Banking Basics
3 Benefits of a Credit Union
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Banking Basics
Debit Card Security Tips
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Banking Basics
Revitalize Your Business Routine
Terms and Conditions
All ATMs in the CO-OP and Allpoint networks are fee-free to members. CO-OP and Allpoint are worldwide networks of over 85,000 surcharge-free ATMs owned by credit unions, as well as participating retailers and 7-Eleven® store ATMs. Based on the level of activity on your account, we reserve the right to convert your account to another type of checking. We will give you 30 days’ notice if we elect to convert your account. Programs (including but not limited to fees, rates, and features) are subject to change without notice. After the account is opened, dividend rate and APY may change at California Credit Union’s discretion. Fees may reduce earnings.
