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Business Checking

Business Banking Made Simple

Skip the hassle with one of our two business checking accounts, each designed to save you time, money, and stress. We offer straightforward accounts, so you can focus on your business without the distraction of jumping through hoops to avoid fees or to earn the best interest for your dollar.
  • 2Way Text Fraud Alerts
  • Free Access to SCCU ATMs
  • Free Account Alerts
  • Free Bill Payer30
  • Free CALL-24 Telephone Banking
  • Free Mobile Deposit29
  • Free Online and Mobile Banking
  • Free Statements
  • Free Visa® Debit Card
  • No Direct Deposit Requirement
  • Get Your Direct Deposit A Day Early with SCCU Priority Pay
  • No Transaction Limits or Fees
  • No Cash Processing Limits or Fees
This is our most popular business checking account. Free Business Checking allows you to run your business without having to jump through hoops.
This business checking account allows your money to work for you by earning interest, without the interruption of sweeps that traditional banks must perform.
Business Interest Checking

Earn interest on your money.

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Free Business Checking

No direct deposit requirement. No minimum balance requirements. No transaction limits or fees.

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Minimum Opening Deposit
Minimum Opening Deposit
$4,500
Minimum Opening Deposit
$50
Minimum Daily Balance
Minimum Daily Balance
$4,500
Minimum Daily Balance
None
Monthly Low Balance Fee
Monthly Low Balance Fee
$25/mo
Monthly Low Balance Fee
None
Transaction Fees
Transaction Fees
None
Transaction Fees
None
Statements
Statements
Free
Statements
Free
Multiple Business Account Holders
Multiple Business Account Holders
Allowed
Multiple Business Account Holders
N/A
Joint Business Account Holder
Joint Business Account Holder
N/A
Joint Business Account Holder
Allowed
Earns Interest
Earns Interest
Yes
Earns Interest
No
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Frequently Asked Questions

Credit unions and banks both offer a range of financial services that can meet your business needs, but there's one important distinction: Credit unions are owned by its members. Instead of the executives guiding the institution, as it is at traditional banks, credit unions have an elected board of directors—who are also members of the credit union—that make sure your best interests are served.
 
Credit unions are also non-profit organizations, so their main focus is on providing ways for members to save money instead of on increasing profits. At SCCU, we invest in our membership, offering better rates on loans and valuable rewards that help our members save money. And, for our members' peace of mind and security, the National Credit Union Administration (NCUA) insures our account holders' deposits just as the FDIC does for traditional banks.
 

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There are many important reasons a business owner should have a business bank account separate from his or her personal account, including:
  • Tax purposes: No matter what type of business you have—online, run from your home, or in a brick-and-mortar location—a business bank account will help simplify tracking expenses and income and make filing easier at tax time. With your business interest checking account at SCCU, you have fast online access to account records that can help at tax time as well.
  • Legal status: Mixing your personal and business financial activities may be a problem if you have a corporation or LLC and your business faces legal issues involving liability.
  • Convenience: Your SCCU Business Checking account includes free mobile and online banking, free online bill payment, and a free Business Visa ® Debit Card that save you time and make managing your company's money easier.
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Establishing a business account has several important advantages, such as simplifying the tracking of income and expenses and making tax filing easier. When you open an SCCU business checking account for your LLC, sole proprietorship or any other type of business, you'll also have convenient and efficient ways to take care of your business finances, from free mobile banking to payroll solutions and merchant services.
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When you don't have time to get to your local SCCU branch, your branch comes to you! These are just some of the online self-service features that come with your SCCU Business Interest Checking account:
  • Pay bills with SCCU's Online Bill Payer service—make one-time payments or schedule recurring payments, and pay any business or individual
  • Transfer funds between SCCU accounts, such as paying your SCCU business loans by transferring payments from your business checking
  • Make balance inquiries at any time of day, any day of the year
  • View up to 90 days of cleared checks
  • View and print your account tax forms
  • View an electronic version of your paper account statements
  • View, print or save up to five years of account statements
Your SCCU Business Checking account also offers you customizable online banking alerts that notify you of several types of account activity, including check clearings, balance limits, debit or credit card purchases, account withdrawals, direct deposits and balance limits.

 
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