Skip nav to main content.
Basic Business Checking

Manage your business funds easier with the right checking account

A checking account is an essential part of owning your own business. With no added fees, low minimum opening deposit, clear transaction histories, and more, you can focus on your business growth.


Avoid Maintenance Fees

When you maintain a minimum average daily balance of $500, you will not be charged any monthly maintenance fees, unlike other business account options at other institutions.

010-transaction history

Unlimited Transactions

From ACH, debit, checks, and more, you will not have a limit on how many transactions you can make per month with this account.


No per Transaction

No matter how many deposits you make or checks that clear, you will not be charged for each transaction.


Low Balance Requirements

No matter how much you choose to initially deposit, you can open an account with us with less fuss. Maintain an Average Daily Balance of $500 or more to avoid a monthly Maintenance fee.


Nationwide Branch and ATM Access

You can withdraw funds from over 36,000 branches and ATMs nationwide, so no matter where you are you can access the cash you need for business expenses.

Basic Business Checking

Avoid monthly fees with a competitive minimum balance

Whereas other banks and credit unions may charge maintenance fees on a checking account regardless of the balance, we do not. If you maintain a $500 minimum average daily balance, you will not pay additional fees and focus your funds on your business expenses.

Secondary Image (2560 ร— 1710 px) (83)
Unlimited Transactions

Make transactions when needed

Unlike other account options that may limit the amount of transactions you can make each month, this account allows you to have an unlimited number of items paid out. From ACH, to debit, to checks and more, know you have greater financial freedom.

Secondary Image (2560 ร— 1710 px) (84)


No need to wait for your statements in the mail or shred paper copies now that you can view your account information online.

013-credit card

Free Debit Mastercard®

You can easily perform business transactions with an SFCU Debit Mastercard. No charge to carry the card.

How it works

Get started with a new checking account for your basic business needs with a few steps.

  • 1

    Complete an application

    Fill out an application with a Business Services Specialist.

  • 2

    Make an initial deposit

    Make a deposit that fits your business budget to start banking.

  • 3

    Manage your account

    Start using your account funds for approved business expenses and make regular deposits to grow your business account balance.

Open a Basic Business Checking account

Focus on your business success story

Opening the right checking account for your business is the first step for a long-term business success. See how our free checking account with convenient ATM access, no minimum deposit, no per-item deposit fees, and other perks can support your business today.

SFCU cannot open accounts for local governments or businesses/organizations that deposit public and/or municipal funds.