Business Accounts

Business Savings Accounts

No matter how big or small your business is, our Business Savings account can grow your idle funds. Earn interest with no balance requirements. You need a savings account that works as hard as you do!

  • No minimum balance to earn dividends

APY = Annual Percentage Yield. Rates may change after account opening.  Fees may reduce earnings.  Additional terms applicable to your Deposit Accounts at ACU are provided in the Account Agreement.


Business Checking

Easily manage your funds and make purchases without transaction fees or balance requirements.

  • No monthly transaction fees or limits
  • No monthly service charges*
  • No minimum balance
  • Same day availability on deposits (Same day availability in most cases. Typical 3-day hold on ATM deposits)**
  • Free online bill pay
  • Visa debit card

*$10.95 monthly fee applies to checking accounts that do not have a qualified Business Visa, Line of Credit or Loan relationship per account. ** 30 day ATM hold applies when business is under 30 days old.

Business Debit Cards

  • Debit cards come with our business accounts and provide important features like EMV secure technology, online access and more.
  • EMV chip security enhancement
  • Special Discounts on your favorite brands
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Immediate emergency card replacement

Opening Your Business Account

Below is a list of documents by entity type that are required to open a business account. If you have questions whether an item applies to your business or how to get a certain document, contact ACU and we will go over the list with you to ensure your business account opening process is as smooth as possible.

Additional identifying information for the principals, beneficial owners and/or signers of the business may also be required in accordance with federal law requirements.

Sole Proprietorship

  • If using an EIN, copy of IRS Letter Assigning EIN
  • Business License

Partnership

  • If registered with the Secretary of State (SOS), copy of the SOS filed certificate or registration form
  • Copy of IRS Letter Assigning EIN
  • Business License
  • Executed Partnership Agreement

Limited Liability Company

  • Copy of SOS filed Certificate of Formation
  • Copy of IRS Letter Assigning EIN
  • Business License
  • Executed Operating Agreement
  • Confirmation of Managing Member, Members, and/or Manager

Corporation

  • Copy of SOS filed Articles of Incorporation
  • Copy of IRS Letter Assigning EIN
  • Business License
  • Bylaws
  • Confirmation of Corporate Secretary/Officer(s) i.e. corporate resolution or board meeting minutes

Nonprofit Corporation

  • Copy of SOS filed Articles of Incorporation
  • Copy of IRS Letter Assigning EIN
  • Business License
  • Bylaws
  • Confirmation of Corporate Secretary/Officer(s) i.e. corporate resolution or board meeting minutes

Contact an ACU Business Account Representative Today!

  • This field is for validation purposes and should be left unchanged.

Let's start working together.

Set up an appointment to speak with a ACU Business Lender and we can help you meet your needs, goals and plan.
Apply Online
Commercial Insurance Services

What Our Members Have To Say

Home 5
Professional, personal, & passionate. I know and trust my business is in good hands with the Gravity team. The most competent merchant service solution we have worked with.
Chris H.
The Boardroom | Boise ID