Perfect for solo entrepreneurs, startups, side hustlers, and other small businesses. No monthly fees, no fuss, just easy banking!
Be more than a small business—be a savvy business. Every Small Business Checking Account from Members Choice includes a Business Debit Mastercard® for hassle-free spending. Plus, score extra savings on your personal and auto loan with our exclusive Duo Discount, when you have both your personal and business accounts with us.2
Save with no monthly maintenance 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.
Separate business and personal spending
Make expense tracking and tax filing a breeze with our business checking account and Business Debit Mastercard®.
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 Small Business Checking and a personal Complete Checking account with us.2
Get More Savings and More Value
Small Business Checking account details
Simplify your business banking with our Small Business Checking Account, designed to give you the flexibility and control your small business needs. Here's a breakdown of its key features:
- No minimum opening deposit.
- No monthly maintenance fee.
- Free 250 check transactions per month, plus unlimited electronic deposits and withdrawals at no charge.1
- $0 for the first $2,500 cash deposited per statement cycle.1
- Up to two signers.
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FAQs about Small Business Checking Accounts
How do I open a business account at a credit union?
The documents you need for your Small Business Checking Account depend on your business type. Here's what you'll need as a sole proprietor:
- Your SSN or EIN of the Business Name.
- Assumed Name Certificate (DBA) filed in the County where the business is located (if applicable) Must be 90 days old, exceptions may be made on a case-by-case basis or for existing members.
Do you have a different business type document needs listed?
Click the button below for a comprehensive list of document requirements by business type.
Business Bill Pay is a free service for the first two months, as well as subsequent months when less than 15 payments are made in a month. The fee for Bill Pay Payments over 15 can be found on our Fee Schedule (PDF). |
Disclosures
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.