It looks like you're using an outdated browser.
For a better experience, we recommend switching to a more modern browser like Google Chrome or Microsoft Edge. Learn more.
Online Banking Login

Secure, Free Checking for Your Business

Absolutely free with no monthly maintenance fee, no transaction limits, and no minimum balance requirements.

Apply Now

Free Business Checking

Hassle-free banking for your business

Our most popular account, Free Business Checking, is absolutely free with no monthly maintenance fee, no transaction limits, and no minimum balance requirements.

GET $1501 when you open a FIRST, NEW Free Business Checking account with qualifying activities! Must mention promo code BIZCHECKING at time of account opening. Offer valid 06/01/24 - 06/30/24.

Apply Now

Product Features

Limited-Time Offer! 

Get $1501 after opening FIRST, NEW Free Business Checking account AND making 30 debit card transactions in the first 90 days from account opening.

Must mention promo code BIZCHECKING at time of account opening. Offer expires 06/30/2024.

Frequently Asked Questions

Absolutely! A full range of online self-service options are available for our members who have our Free Business Checking accounts. These include:

  • Online Bill Payer: No need to write checks and mail them, or stand in line taking care of your banking in person. Our Online Bill Payer System lets you pay business or individuals right from your SCCU Free Business Checking account. You can quickly make one-time payments or schedule recurring payments, and keep track of your payments in one convenient place.
  • View Online Statements: You can view, print or save electronic versions of your paper account statements.
  • Tax Forms: Access, view and print your account tax forms.
  • Balance Inquiries: Check on your account balance any time of day or night.
  • Transfer Funds from One SCCU Account to Another: Transfer payments to your SCCU business loans right from your Free Business Checking or Savings Account.
Was this helpful?
Thank you for your feedback!

Yes! We know how important it is for business owners to save as much time as possible, so we make opening a Free Business Checking account easy. Simply stop by any one of our locations throughout Florida or call your local number.

Was this helpful?
Thank you for your feedback!

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 Free 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.

Was this helpful?
Thank you for your feedback!

SCCU's Free Business Checking account has no minimum balance or minimum volume requirements, and no monthly fee, transaction limits or transaction fees. It also includes a free Business Visa® Debit Card and free online services such as mobile banking and bill payer. Our goal is to offer you the best free business checking account available!

Was this helpful?
Thank you for your feedback!

At a glance, all financial institutions may seem alike, but there are important differences that can make a difference to the success of your business. Look for a financial institution that offers comprehensive services for your business and small business experts who can help you run your business more efficiently. When looking for a bank or credit union for your business accounts, here are a few things to consider:

  • Community-based institutions are likely to have extensive knowledge of local market conditions that can affect businesses such as yours.
  • Smaller regional institutions often give business owners personal access to lenders with local decision-making authority. This can mean faster loan approvals.
  • Member-owned institutions such as credit unions are not-for-profit, so they return profits back to members in the form of lower borrowing rates and better savings rates. Such savings can go right to your company's bottom line.
  • For the greatest value to your business, look for an institution that has a dedicated business services team that offers consultation services. Ideally, this advice should be available at no cost to you.
  • Choose an institution that has convenient branch locations if you prefer to do your banking in person, and that has a complete range of online services that allow you to take care of transactions and access your records from anywhere, at any time.
  • Look for an institution that will not only have what you need right now, such as a small business checking account, but also what you may need as your business grows, such as a vehicle loan or commercial real estate loan. Viewing your association with a financial institution as a long-term partnership can help you choose the one that's right for your business.
Was this helpful?
Thank you for your feedback!

You can open your account with a $50 deposit and, depending upon what type of business you have—a sole proprietorship, partnership, corporation, or not-for-profit association or organization—you may need to provide information such as:

  • Social Security Numbers for signers on your account
  • Driver's licenses for signers on your account
  • Federal Business Tax ID (EIN)
  • Meeting minutes listing all officers

The business must be registered and active with the State of Florida through Sunbiz.

For additional details, please call our Business Service team.

Was this helpful?
Thank you for your feedback!

SCCU offers merchant services and business services that can make running your company easier. Our full range of Business Services include:

An easy-to-use payroll solution with in-house check printing, comprehensive reporting and more.

  • Merchant services that let your customers pay you with their debit or credit cards.
  • Free, secure and fast mobile banking that lets you review your account and access complete business transaction while you're on the go.

As a member of SCCU, you have the support of our team of Business Advisors. You'll have access to free advice and consultation services from our financial and business experts that can help you run your business more efficiently and save time and money.

Was this helpful?
Thank you for your feedback!

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.

Was this helpful?
Thank you for your feedback!

Use SCCU debit card for a chance to win prizes. Conditions apply. Click to learn more.

Business Checking Offer:

To qualify you must open a first, new business checking account between 06/01/2024 - 06/30/2024. Must mention promo code BIZCHECKING at time of account opening. Must meet additional qualifications for each business checking account type. Owners of previous business accounts closed 90 days prior of the start of this offer are not eligible. See below for details.

1. To qualify for $150, in addition to the requirements mentioned above, must make 30 debit card transitions within the first 90 days from the account opening date. Debit card transactions for a cash withdrawal do not qualify. All eligible Free Business Checking accounts will have $150 deposited in to the account by the 120th day from the account opening date.