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Business Checking

Manage cash flow your way. Convenient checking options for any size business.

  • Low minimum opening deposits
  • Business Visa® Debit Card and check-writing privileges

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

when linked to Business Savings Account or Line of Credit
when linked to Business Savings Account or Line of Credit
when linked to Business Savings Account or Line of Credit
when linked to Business Savings Account or Line of Credit

Fee for deposits above the monthly limit

$1

$1

$1

Visa® Business Debit Card

ATM

surcharge-free thru nationwide CO-OP® network
surcharge-free thru nationwide CO-OP® network
surcharge-free thru nationwide CO-OP® network
surcharge-free thru nationwide CO-OP® network

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.

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® Checkout

We’ve partnered with Visa® Checkout to make your online purchases simple, fast and secure.

Learn More

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, NSF fees 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.

View Worksheet

Sweep Accounts

Put your excess cash to work earning dividends while avoiding overdraft charges.

View Sweep Account Rates

Zero Balance Accounts (ZBAs)

Maximize your use of funds and increase your account control.

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.

Explore

Business Savings

Enjoy low balance requirements and higher-than-bank dividends.

Start Saving

Cash Management

Increase efficiency, oversight and savings with our resources.

Read More


Terms and Conditions

All ATMs in the CO-OP network are fee-free to our members. CO-OP is a nationwide network of over 30,000 surcharge-free ATMs owned by credit unions, including CCU, as well as participating 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.

Refer to our Business Account Agreement & Disclosure for full details.

See our rates and terms for all Business Checking Accounts.