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!

  • Earn 1.00% APY for the first 12 months (up to $1 Million)**
  • Earn .40% APY after the first year**
  • No minimum balance to earn dividends

**Earn 1.00% APY Introductory Offer: Offer begins when qualifications are met and expires 12 months after the savings account is opened. The introductory rate applies to the first $1,000,000. All portions of balances over $1,000,000 will earn the standard rate of.40% APY (non-qualifying accounts earn regular rate of .05% APY). To qualify, you must open a new Business Savings and Checking account and have a qualified business loan under that account. Requires $25 membership share.

APY = Annual Percentage Yield.

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
  • Overdraft Protection Available ($29 ODP fee, per transaction, upon approval. Plus, $5 fee for transfers from Savings or Line of Credit)

*$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 under 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


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

Limited Liability Company

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


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

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.
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

Contact an ACU Business Account Representative Today!

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