Business Membership & Accounts
Business Account Rates
APY Effective 1/1/2019*
Business Interest Bearing Checking
Business Member Share Savings
Business Money Market
$10,000 - $49,999.99
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.
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.
- When you make deposits at a BECU ATM or through the High-Speed Online Deposit (HSOD) scanner, we only count the first deposited check. All other checks are not counted towards the transaction threshold. Please note that each batch, when using the HSOD scanner, 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. We also provide easy and convenient deposit-only ATM cards for your employees to make deposits on behalf of your business. These secure cards never show account balances or allow account access.
Compare Business Checking Account Types:
Collapse Business Checking
|Basic Checking||Interest Checking|
|Monthly Maintenance Fees||
|Debit/Check Fees/Deposit Transaction Fee
<$25,000 in combined balances**
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 balances**
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
**Balance is the average balance of the combined checking, savings, money market and CD accounts plus the outstanding principal balance of any loan and line of credit accounts. Accounts are considered combined if linked to the same tax ID.
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
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
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.
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: 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.
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).
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.
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.