Female bike repair shop staff looks over bike components at work table surrounded by repair tools

Business Checking Accounts

We are ready to help your business thrive.  Our business checking accounts provide you the support you'll need for your business. Think of us as a silent partner helping to make sure things work on the back end with your business finances. 




Business Elite

A checking account that we designed for small to medium-size businesses. This account includes many free services and easy online account access.
  • Minimum opening deposit of $1
  • $10 monthly service fee waived with $1,000 minimum daily balance
  •  First 100 items deposited free*
    $0.12 each after 100
  •  First 100 items cleared free**
    $0.12 each after 100
  • Coin and currency orders free
  • Free Digital Banking, Mobile Banking and Bill Pay
  •  Overdraft protection available
* Deposited items include ACH deposits, EFT deposits, check deposits, etc. (excludes cash and coin deposits)
** Debited/cleared items include ACH withdrawals, EFT withdrawals, checks written, etc.

Business Premium

A checking account that we created to be ideal for larger businesses. As your business balance increases, so does your dividend rate and the number of free transactions. You're in business to make money, and we are here to help you make more of it. Even from your checking account.
  • Minimum opening deposit of $1
  • $15 monthly service fee waived with $2,000 minimum daily balance
  • Dividends paid when $5,000 minimum daily balance is maintained
  • Number of free items deposited or items cleared based on balance tiers*
  • Free cash deposits
  • Free coin and currency orders
  • Free Digital Banking, Mobile Banking and Bill Pay
  • Overdraft protection available
    *Business Premium Tiers for Items Deposited and Cleared
 
Balance  #Cleared Free       # Deposited     Free
$0 100 100
$5,000 - $24,999 150 150
$25,000- $49,999 200 200
$50,000+ 250 250
$0.12 each after # deposited and/or cleared fee

Business Organization

A business checking account we created to serve non-profit organizations, clubs, benefits, leagues and more. Non-profits work tirelessly to strengthen our communities. As a true community financial institution (and also a not-for-profit ourselves), we do everything we can to help these organizations fulfill their missions.
  • Minimum opening deposit of $1
  • No minimum balance and no monthly service fee
  • First 50 items deposited free*
    $0.12 each after 50, $0.20 each after 100.
  • First 50 items cleared free**
    $0.12 each after 50, $0.20 each after 100.
  • Unlimited cash deposits
  • Free Digital Banking, Mobile Banking and Bill Pay
  • Overdraft protection available
  • One free box of standard checks***
* Deposited items include ACH deposits, EFT deposits, check deposits, etc. (excludes cash and coin deposits). $0.12 each after 50, $0.20 each after 100.
** Debited/cleared items include ACH withdrawals, EFT withdrawals, checks written, etc.
*** Shipping and taxes not included
 


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The thinkless way to save

Ever wish saving would be automatic? BOOM. It can be. ChangeUP automatically rounds your debit purchases to the next dollar. At the end of the day, all the change from debit purchases that have cleared your account get totaled and deposited in a savings account of your choice or our Member's Choice Certificate. If you use your debit card fairly regularly, those savings can really add up!

HOW IT WORKS

You go to the gas station in the morning and pay $35.02 to fill up.(+0.98)
Then later you grab lunch at your favorite cafe for $12.64.(+0.36)
On your way home from work you swing by the store for some last minute items and spend $25.75.(+0.25) 
At the end of the day, ChangeUP transfers $1.59 to savings. (Assuming all of the purchases have cleared your account.)
If every day were like today, you could save $11.13 that week, or $578.76 for the year. A little saving can go a long way!

READY TO GET STARTED?

You'll need a Capital Credit Union Checking account* to use ChangeUp. 
*ChaChing™, Fresh Start, MyChecking, MyChoice, MyDebit Rewards- Streaming, MyDebit Rewards Cash Back, Business Elite, Business Premium, and Business Organization