Business Accounts Built for How You Operate
No transaction limits on checking. Dividends on savings. EMV-secured debit cards. And a local team that picks up the phone.
Three Products. One Straightforward Package.
Business checking, savings, and a debit card that work together so your money moves as fast as your business does.
Business Checking
No transaction limits and no minimum balance. The $10.95 monthly fee is waived when your business has a qualified ACU Business Visa, line of credit, or loan. Includes free online bill pay and a Visa debit card with EMV chip security.
- No monthly service charges
- Same-day deposit availability
- Free online bill pay
Business Savings
Earn 0.30% APY promotional rate on balances up to $1,000,000 for your first 12 months. No balance requirements to maintain.
- 0.30% APY promotional rate
- Up to $1M qualifying balance
- $25 minimum to open
Business Debit Card
EMV chip security and Verified by Visa protection on every transaction. Access your account 24 hours a day from any device.
- EMV chip security
- Verified by Visa
- Immediate emergency replacement
Documents by Entity Type
Requirements vary by how your business is organized. If you are unsure which documents apply or how to obtain them, call us at 253-964-3113 and we will walk you through the list before your visit.
Sole Proprietorship
- Copy of IRS Letter Assigning EIN (if using an EIN)
- Business License
Partnership
- SOS filed certificate or registration form (if registered)
- 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)
Nonprofit Corporation
- Copy of SOS filed Articles of Incorporation
- Copy of IRS Letter Assigning EIN
- Business License
- Bylaws
- Confirmation of Corporate Secretary/Officer(s)
Additional Requirements
- Identifying information for principals and beneficial owners may be required under federal law
- Signers on the account will also need to provide identification
- Call 253-964-3113 to confirm your full document list before visiting a branch
Built for Business. Backed by a Local Team.
Every feature was chosen to reduce friction, protect your funds, and keep your cash working.
Fee Waived With Your Relationship
Business checking with no transaction limits and no minimum balance. The $10.95 monthly fee is waived when your business has a qualified ACU Business Visa, line of credit, or loan.
0.30% APY Promotional Rate
Earn more on idle business funds with our 12-month promotional savings rate on balances up to $1,000,000.
EMV Debit Security
Chip-secured debit card with Verified by Visa protection and immediate emergency replacement if your card is lost or stolen.
Same-Day Deposits
Most deposits are available the same day. No waiting to access your funds when your business needs them.
Free Online Bill Pay
Manage all your vendor payments from one dashboard. No checks to write, no envelopes to mail, no processing costs.
NCUA Insured
Business deposits are federally insured up to $250,000 by the National Credit Union Administration.
Open Your Account in Three Steps
Most business accounts open the same day. Here is what the process looks like from your first call to your first transaction.
Confirm Eligibility
Call 253-964-3113 or visit any branch. Our team confirms your membership eligibility and reviews what documents match your business entity type so you know exactly what to bring.
Gather Your Documents
Collect your EIN letter, business license, and entity-specific formation documents. Our team sends you the exact list in advance so there are no surprises at the branch.
Open and Get to Work
Your account opens the same day in most cases. Debit card ordered. Online banking active. Ready for business - no waiting period, no application fee.
“ACU has handled our business banking for years. They know us by name, and when we had a cash flow question during a busy season, we had an answer the same day.”
Business Account Questions, Answered
What business members ask most before opening. Entry-level business checking at Chase and Bank of America runs $15 to $16 per month with about 20 fee-free non-electronic transactions, per each bank’s published pricing as of September 2026. ACU Business Checking has no transaction limits, and the $10.95 monthly fee is waived with a qualified ACU Business Visa, line of credit, or loan. Business rates effective October 1, 2026.
If your question is not here, call us at 253-964-3113. A local team member picks up the phone.
Business Savings promotional rate: 0.30% APY on balances up to $1,000,000 for first 12 months when maintaining open Business Savings (12 months old or less), active Business Checking, and current business loan with ACU. Rate reverts to standard APY if any condition changes. Only one Business Savings may earn the promotional rate. Rates subject to change. Fees may reduce earnings. Business Checking: $10.95 monthly fee applies when no qualified Business Visa, Line of Credit, or Loan relationship exists. Same-day availability in most cases; 3-day hold on ATM deposits; 30-day ATM hold when business is under 30 days old. NMLS #449181. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. Equal opportunity lender.
Your Business Account Opens Today
No application fees. No minimum balance. A local team that knows your business by name, not by account number.