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Compare Business Checking Accounts

Every business is different, and your organization deserves a checking account that’s as unique as it is. That’s why at SFCU, we offer multiple business checking account options to suit your specific needs. Simply choose the option that works best for your needs and goals, open your account, and enjoy the perks of better money management.

Business Dividend Checking

Basic Business Checking

Community Checking

Minimum Initial Deposit to Open
$0
$0
$0
Minimum Average Daily Balance (ADB) to Earn Dividends
$5,000
N/A
N/A
Minimum ADB to Avoid Monthly Maintenance Fee
$5,000
$500
N/A
Per Check Charge
N/A
N/A
N/A
Account Transaction Limits
UNLIMITED
UNLIMITED
UNLIMITED
Dividend Rate *
.25% APY
N/A
N/A
Monthly Maintenance Fee *
$5
$5
$0
Unlimited Check Clearing Per Month
True
True
True
Earn Dividends
True
False
False
Debit Mastercard with No Monthly Fee
True
True
True
Free Online Access with Admin Abilities
True
True
True
Free Mobile Access
True
True
True
Free Bill Pay
True
True
True
Overdraft Protection Options Available **
True
True
True
Potential Monthly Maintenance Fee *
True
True
False
Estatements
True
True
True

 

 

  • * Basic Business Checking will incur a $5.00 monthly fee if the ADB falls below $500 and dividend will not be paid. Business Dividend Checking will incur a $5.00 monthly fee if the ADB falls below $5000 and dividend will not be paid.

    ** Restrictions may apply

    Average Daily Balance(ADB) = the total amount of daily balances in your account divided by the number of days in the month.

    APY = Annual Percentage Yield

Effective 4/13/24 โ€“ Market St. branch will be temporarily closed on Saturdays due to construction (ATM still available). Our Oneida St branch will be open on Saturdays from 9am โ€“ 12pm.