commercial Membership & Accounts

Contact the Relationship Team

Commercial Checking & Savings

business account rates

APY Effective 12/1/2017*


Interest Bearing Checking


Business Member Share and Savings


Business Money Market

$10,000 - $49,999.99

See Business Account Disclosure for details

Business Expertise You Can Trust

Our competitive advantage is simple: We act as a financial partner to your business. Our Relationship Managers bring the expertise you expect and will help your business succeed with timely, personalized advice paired with competitive products and services. We get to know your business so we're ready with solutions for tomorrow's opportunities. Your profits are our priority.

Business Checking Products: Options that work for you

We know that for a business, every dollar counts. That's why we offer both Basic and Interest Checking accounts that are designed to help your business grow, with more value, fewer fees and more flexibility. 

We value our relationship. That means we reward you just for partnering with us by trying to maximize the number of free transactions you get per month before a nominal fee is applied.

  • Structure your money how it makes sense to you – and still maximize your checking account benefits. We help you maximize the number of free transactions you get per month by tallying the total balance you keep with BECU – including balances from all your business deposit accounts, business loans, and outstanding balances on your business line of credit.
  • Increase the number of checks you can deposit in a month before hitting our generous thresholds. When you make deposits at a BECU ATM or through the high-speed online deposit scanner, we only count the deposit and the first deposited check. All other checks are not counted towards the transaction threshold. Please note that each deposit can accept up to 30 checks at a time. 
  • It's your money. Access should be easy, convenient and free. We don't charge for electronic debits and credits, including those made through debit cards, ACH, bill pay, wire transfers, transfers and ATM withdrawals. 

Compare the details to find out which business checking account is right for you:

Checking Transaction Fees*
Basic Checking Interest Checking
Yes, see rates to left
Monthly Maintenance Fee
No fee
No fee
Debit/Check Fees/Deposit Transaction Fee

<$25,000 in combined deposits
350 transactions per month without a fee; $0.20 per item thereafter
200 transactions per month without a fee; $0.20 per item thereafter
Debit/Check Fees/Deposit Transaction Fee

>$25,000 in combined deposits
600 transactions per month without a fee; $0.20 per item thereafter

450 transactions per month without a fee; $0.20 per item thereafter

*Transactions include debits, checks, and all deposit items combined1

See Business Account Disclosure for details

Basic Checking Interest Checking
No Minimum Balance Required 2
No Monthly Maintenance Fee
Free Business Debit MasterCard®
Free eStatements
Free Online, Mobile & Telephone Banking 3
Deposit Checks Remotely
Federally Insured Up to $250,000 by NCUA
Access to nearly 30,000 Surcharge-Free ATMs Nationwide 4

Additional commercial banking services include:

Online Banking & Bill Payment

24-hour secure access to business accounts, bill payment services, transfers, deposits, and other services. Learn more 

High-Speed Online Deposits

Secure, 24/7 online deposits via computer and a scanner. Scan up to 30 checks at once. Learn more 

Mobile Banking

Check balances, make transfers, deposit checks, and pay bills from anywhere, using a mobile device. Read more

ATM Services

Make deposits and withdrawals, view account balances, and transfer funds anytime at our Neighborhood Financial Centers, at our more than 220 local BECU ATMs, and at BECU retail kiosks (excluding Rite Aid cash-only ATMs). You'll also get all the services of our BECU ATMs at more than 30,000 ATMs carrying the CO-OP Network logo.

Zero-Liability Business Debit Card

Includes comprehensive fraud protection through our partnership with the Mastercard Zero Liability program. Learn more

Business Debit Card

The debit card that comes with your business checking account allows you to conveniently manage your cash flow and everyday banking needs.

  • Enjoy no foreign transaction fee* on international purchases or ATM withdrawals (the institution that owns the ATM might have additional fees)

  • Compatible with Android Pay, Apple Pay, Microsoft Wallet and Samsung Pay digital wallet apps

  • May double your original manufacturer or U.S. store brand warranty on purchases (up to 12 months)**

  • Access to identity theft resolution services

  • Free fraud monitoring protection through Mastercard Zero Liability

*0.20% currency conversion fee may be included in the purchase or withdrawal's overall total when using a debit card; however, the fee will be refunded within 3 business days contingent upon the account being open at the time of refund.
**Certain restrictions, conditions and limitations apply. More detailed information on these benefits can be found in the MasterCard Guide to Benefits.

Savings Products: Put your money to work

Better rates – a hallmark of credit unions – that's what you'll find at BECU.  

Business Savings Accounts

Great rates and no monthly maintenance fees: A streamlined way to earn interest on your extra cash.

Money Market Accounts

For savings balances over $10,000, earn a higher rate and enjoy check writing privileges (limited to 6 per month). 

Fixed-rate CDs

Flexible CDs offer savings with a higher rate of return, in terms from 3 to 60 months.

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings.  A Member Share Savings account is required to establish membership.
1Includes debits, checks, and all deposit items combined. Please note the following transaction types have no threshold and no per item fee: all electronic debits/credits including debit card, ACH, wires, transfers, bill payment and ATM withdrawals. Deposits made using online banking or an ATM, the entire transaction is considered one deposited item.
2A Member Share Savings account is required to establish membership.
3Airtime, data usage and minutes of use may be billed by your mobile provider.
4Surcharge-free access to nearly 30,000 ATMs nationwide provided through the CO-OP Network