Small Business Membership & Accounts

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binh m., mukilteo

small business checking & savings

business Account Rates

APY Effective 7/1/2015*

.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 and Lending Disclosure for details

Flexible banking, fewer fees, great rates

Success comes in all sizes

We've worked hard to provide a great financial home for small, local businesses. From the convenience of having access to your accounts from anywhere, to resources that help you manage better, we're all about helping your small business thrive.

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, with fewer fees overall. Compare the details to find out which small business checking account is right for you:

Business Checking
Basic Checking Interest Checking
Interest-Earning
No
Yes
Monthly Maintenance Fees
No Fee
No Fee
Debit/Check Fees
The first 50 paid items in a calendar month are free; after that, $.25 is charged per paid item
$.12 per paid item
Deposit Transaction Fee
No Fee
$.15 per deposit transaction
Deposited Item Fee
Your first 150 deposited items in a calendar month are free; after that, $.15 is charged per deposited item

For deposits made Online or at an ATM, the entire deposit is considered as only 1 deposited item
$.05 per deposited item

For deposits made Online or at an ATM, the entire deposit is considered as only 1 deposited item and is charged $.05

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

Save Time. Get Money.

Deposit up to 30 checks at once.

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  free* Mobile Banking lets you check balances, make transfers, deposit checks, and pay bills when you are out and about, using your mobile device. Learn more 

Mobile Banking

The New Banking Hours

Bank on your time with the convenience of your smartphone.

Learn how

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. Learn more



Building Success

Business 101

Read more

*APY = Annual Percentage Yield; rates subject to change, fees may reduce earnings.  To open any deposit account, you're required to establish membership by opening a Member Share Savings Account with a required $5 minimum deposit.

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