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Side Hustle Banking

Your hustle never stops, so why should your banking? No minimum balance, no monthly fees. Plus, perks for your personal finances.

Open an Account

With Side Hustle Banking™ you can unlock the ultimate flex: no monthly fee business checking and a business card that gets you. We're not just your bank, we're your business' biggest fan.

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Skip the monthly fees

Keep more money in your pocket by eliminating unnecessary fees. There's no need to maintain a minimum balance to avoid fees—just straightforward, stress-free banking.

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Get paid early with Early Pay

You’ll love getting paid early when you direct deposit your incoming funds into your account. You will be paid up to two days early.1 Early Pay is a free feature—there are no fees to use this benefit.

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Save with a Duo Discount perk

Enjoy a 0.50% discount on your Personal Loan and Personal Auto Loan rate when you have BOTH a Free Business Checking and a personal Complete Checking account with us.2

Explore Side Hustle Banking™

Seamlessly manage your day job and side hustle finances with Side Hustle Banking.™

Balancing a full-time job with a side business is no small feat. That's why we've crafted the ultimate banking solution tailored just for you – the passionate, the ambitious, the side hustler. With Side Hustle Banking™, you can manage your dual income streams with ease and efficiency, ensuring your financial journey is as smooth as your entrepreneurial spirit.

Open an Account

Key benefits

  • Dual Account Management: Seamlessly manage your salaried and business incomes with dedicated accounts, ensuring clear financial separation and easier tax management.
  • Flexible Money Management Options: Understand the ebb and flow of side business incomes. Access funds when you need them the most, with either Small Business Checking or High-Yield Business Checking options and your Business Debit Mastercard®.
  • “Duo Discount” Loan Rate Discounts for Side Hustlers: Benefit your pocketbook with exclusive loan discounts for your personal needs. Get .50% in loan rate discounts for a Personal Auto Loan or Personal Unsecured Loan when you have both your personal and business accounts with us.2
  • Early Pay: You’ll love getting paid early when you direct deposit your incoming funds into your account. You will be paid up to two days early.1 Early Pay is a free feature—there are no fees to use this benefit.

Plus these benefits

  • Instant Internal Transfers: Move money between your Members Choice personal and “side hustle” accounts in real-time, ensuring liquidity for both personal and business needs.
  • Connect with QuickBooks: Connect with popular business software such as QuickBooks to categorize and track business expenses, making tax season a breeze.
  • Mobile Banking: Manage your finances on-the-go with our intuitive mobile app, designed to help you seamlessly manage both your personal and business accounts in one place.

Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

Are you ready to get rewarded?

Open an account with one of these easy options

Start Your Application Online


Apply at a Branch

Or, Apply by Phone

FAQs about Side Hustle Banking

Members Choice often receives a message up to two days before your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.
Early Pay is a feature only available through Complete Checking! If you would like access to this feature you may convert your current checking account with this PDF form request over to Complete Checking or open a new checking account.
Nope! Early Pay is a free, automatic feature for Members Choice Complete Checking accounts. You don’t have to pay a fee to get paid early.

Possibly. There are a few factors that impact the delivery of your direct deposit. You might get your direct deposit between two days earlier and on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:

  • You recently set up direct deposit for the first time
  • Your deposit type is not eligible, such as a bank-to-bank transfer
  • There’s a payroll system issue from your payer
  • You reached the transaction limit or monthly deposit dollar limit for early processing
  • Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday
To sign up for direct deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form (PDF).
You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.

You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements,
  1. Login to online banking
  2. Select eDocs from the Accounts menu
  3. Select the Delivery Preference you would like to change – either all accounts or just select accounts
  4. Select save
  5. Review and accept to the site terms
If you have questions, please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by one of our branches.

Looking for our personal checking options?

Explore Complete Checking

Get paid up to 2 days early and earn a higher dividend rate when you sign up for direct deposit, make debit card purchases and more. Members Choice Complete CheckingTM also includes all of the benefits of Cash Back Checking, along with no monthly fee, and no minimum balance requirement. Learn more about Complete Checking

Explore Cash Back Checking

Earn unlimited cash back on your debit card purchases each month. Members Choice Cash Back Checking has no monthly fees, no direct deposit requirement, and no minimum balance requirement. Learn more about Cash Back Checking

Explore Student Saver Checking

Perfect for students, ages 10-17, looking to have access to a debit card for purchases, manage their finances, and build a banking history. Learn more about Student Saver Checking


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 

1 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.


2 To qualify for the Duo Discount on your personal account, you need to meet these requirements: 

  • Must maintain an average monthly balance of $2,500 in the business checking account for the previous 90 days to qualify.
  • Only members with both the stated business checking account and personal Complete Checking account in good standing qualify.
  • Discounts are for an Unsecured Personal Loan or Personal Auto Loan and can not be combined with any other discounts or offers.
  • If a member qualifies for both, the discount can apply to both loans.
  • The only limit is one unsecured loan discount and one auto loan discount per member.
  • Not offered for business lending.