The Foundation of Your Business Operations.

Optimize your cash flow with checking accounts built for scale. Enjoy high transaction limits, seamless software integrations, and zero-liability fraud protection.

Compare Accounts

Scale Your Operations

Checking Designed for Every Stage

From early-stage startups to established mid-market enterprises, BCU provides the liquidity management tools necessary to grow your bottom line.

Business Essential

Perfect for startups and low-volume businesses.

Monthly Service Fee

Up to 200 fee-free transactions per month
Up to $5,000 in cash deposits without fees
Free incoming domestic wire transfers
Basic online banking and mobile check deposit

Open Essential Account

Business Advantage

For growing companies with higher volume needs.

$25 or $0

Waived with $15k combined balance*

Up to 500 fee-free transactions per month
Up to $20,000 in cash deposits without fees
2 free outgoing domestic wires per month
Seamless QuickBooks® integration included

Open Advantage Account

Commercial Analysis

Earnings Credit Rate (ECR) to offset treasury fees.

Custom

Analyzed based on transaction volume

Earnings Credit offsets standard transaction fees
Access to advanced Treasury Management suite
Automated sweep accounts and Zero Balance Accounts
Dedicated Corporate Relationship Banker

Explore Commercial

* Combined balance includes linked qualifying BCU business checking, savings, and CD accounts.

Operational Efficiency

Technology that Saves You Time

QuickBooks® Sync

Automatically sync your daily transactions with QuickBooks or Xero to drastically reduce bookkeeping hours.

Remote Deposit Capture

Deposit high volumes of checks securely from your office desk using our advanced desktop scanners.

Employee Access Controls

Grant read-only or limited-access permissions to your accountant, bookkeeper, or business partners.

ACH Origination

Pay your employees directly and collect payments from vendors instantly via our secure ACH portal.

Integrated Payments

Get Paid Faster with BCU Merchant Services.

Link your BCU Business Checking account to our Merchant Services platform for next-day funding and competitive processing rates on all major credit cards.

Next-business-day funding directly into your checking account.
Support for Apple Pay®, Google Pay™, and contactless cards.
State-of-the-art Point of Sale (POS) hardware options.
Secure e-commerce payment gateways for your website.

Request a Rate Quote

Frequently Asked Questions

Common questions about opening and managing a BCU Business Checking account.

Required documents vary by your business structure (LLC, Corporation, Sole Proprietorship, etc.). Generally, you will need your Employer Identification Number (EIN) document, Articles of Organization/Incorporation, a valid government-issued ID for all signers, and a localized business license.

A transaction includes teller deposits, ATM deposits, checks paid, ACH debits and credits, and debit card purchases. For the Business Essential account, you receive 200 fee-free transactions per month. Transactions exceeding this limit are charged at $0.40 per item.

Yes. As the primary account administrator, you can request additional BCU Visa® Business Debit Cards for your authorized employees. You can set individual daily spending limits and ATM withdrawal limits for each card directly from your online banking dashboard.