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Small Business Membership & Accounts

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bob l., mountlake terrace

Small Business Checking & Savings

business Account Rates

APY Effective 3/1/2017*

.05
%
APY

Interest Bearing Checking

.10
%
APY

Business Member Share and Savings

.15
%
APY

Business Money Market

$10,000 - $49,999.99

See Business Account Disclosure for details

Your Profits Are Our Priority

We've worked hard to provide a great financial home for small, local businesses and our competitive advantage is simple: We act as a financial partner to your business. Our local experts will help your business succeed with timely, personalized advice, and we pride ourselves on providing the right products at the right time to help our business members reach the next level.

Checking Products: Making Every Dollar Count

We know that for a small 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 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 small business checking account is right for you:

Checking Transaction Fees*
Basic Checking Interest Checking
Interest-Earning
No
Yes
Monthly Maintenance Fees
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
Interest-Earning
Free Business Debit MasterCard (R)
Free eStatements
Free Online, Mobile and Telephone Banking 3
Deposit Checks Remotely
Federally Insured Up to $250,000 by NCUA
Access to nearly 30,000 Surcharge-Free ATMs Nationwide 4

So what do you get with your BECU business checking account?

Online Banking & Bill Payment for Small Business

Get secure, 24-hour access to your accounts with Online Banking. There you can use Bill Payment, make transfers and deposits, and access other services within Online Banking. Learn more

Online Deposits

Make secure online deposits 24/7 using your computer and scanner. Learn more 

Mobile Banking for Small Business

Need to bank on the go? BECU's free5 Mobile Banking lets you check balances, make transfers, deposit checks, and pay bills when you are and about, using your mobile device. Learn 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 Debit Card

The debit card that comes with your business checking account includes fraud protection through MasterCard Zero Liability. Certain restrictions apply. Learn more

Savings: A Buffer and an Investment 

Building up a financial cushion is crucial for small businesses, whether for earning interest on your extra cash, or saving for a big purchase.

Savings Account

Great rates and no monthly maintenance fees – a simple, easy way to save.

Money Market Account

Savings balances over $10,000?  Earn even more by opening a Business Money Market account that earns a higher rate and enjoy check writing privileges (limited to 6 per month).

Fixed-rate CDs

Invest in our flexible CDs to help you save with a higher rate of return. We offer terms from 3 to 60 months, and you can get started for as little as $500.

Retirement Accounts

Plan for your future with a BECU Individual Retirement Account (IRA), so you can save for the future while building your business today. Contact our Financial Advisors at 800-233-2328 ext. 5720 or email us.



*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

5Mobile and internet carrier charges may apply for Online and Mobile Banking usage.