Business owner smiling in her shop

Business Checking Accounts

Banking to grow your business.

Whether you’re looking to start your own business or grow your current business, we are here to help. Members Choice Credit Union is pleased to offer a variety of business checking accounts to meet the needs of your company — so you can focus on reaching your goals.

 
In addition, the Members Choice Business Debit Mastercard® is available for business checking accounts. Click Here to learn how this debit card solution can help take care of your business.

Open your Business Checking Account today

Call us at 281.398.9900 to open your business account.
 
Restaurant business owners looking at finances

Small Business Checking

Perfect for solo entrepreneurs, startups, side hustlers, and other small businesses. No monthly fees, no fuss, just easy banking!
Business owner in his warehouse

High-Yield Business Checking

Perfect for anyone who wants to grow their business funds on autopilot. Watch your money work as hard as you do by earning interest.
Side hustle business owner photographing products

Side Hustle Banking™

Your hustle never stops, so why should your banking? No minimum balance, no monthly fees. Plus, perks for your personal finances.
Business owner in office smiling at camera

Business Classic Money Market

Great for organizations that only need access to reserves when necessary.




For all business checking accounts you’ll receive

One of the features of Members Choice Credit Union Business Checking Accounts is the capability to automatically sweep funds from the checking account to a money market account under the same account number. The account owner will set a maximum balance to remain in the checking account at all times. Funds exceeding the maximum checking account balance will automatically transfer (sweep) to the money market account at end of MCCU’s business day. This is a one-way sweep process, which will be based on the ledger (not available) balance. The sweep must be initiated by the account owner or authorized person(s).


Compare the business accounts built for you



 Small Business
Checking		 High-Yield Business Checking Business Classic
Money Market
Minimum opening deposit
 $0 $100 
 $2,000
Monthly Maintenance Fee
 $0 $10
$0 when you maintain an average balance of $10,000 or higher		 $15 
Earns Interest
 No Yes Yes
Monthly Transaction Limits1
 $0 for the first 250 check transactions per statement cycle

$.25 charge for check transactions over 250		 $0 for the first 500 check transactions per statement cycle

$.25 charge for check transactions over 500		 N/A
Monthly Cash Deposits
 $0 for the first $2,500 cash deposited per statement cycle

$0.15 charge per additional $100 cash deposited over $2,500		 $0 for the first $10,000 cash deposited per statement cycle

$0.15 charge per additional $100 cash deposited over $10,000
 N/A
Additional Benefits
 Business Debit Mastercard® Business Debit Mastercard®

1-Free cashier's check per statement cycle

Free overdraft transfer fee per statement cycle from a qualified Line of Credit		 Refer to the Classic Money Market page for more details.





Disclosures

*Not available for Classic Money Market Product. For a full list of the features and benefits, please view the Guide to Benefits PDF.
 
1 Check transactions refer to checks both deposited and posted to the account. View complete list of deposit disclosures and Fee Schedule.
 
2 High-Yield Business Checking: To earn interest, use your Business Debit Mastercard® for 10 or more purchase transactions per month. Classic Business Money Market: Maintain a balance above $2,000 to earn interest. See Business Rates and Fees Disclosure (PDF).
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.