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Small Business Checking Accounts

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

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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.

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Separate business and personal spending

Make expense tracking and tax filing a breeze with our business checking account and Business Debit Mastercard®. 

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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 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.

For all business checking accounts you'll receive


Have questions for one of our representatives?

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

Ready to get started with simplified banking?

Open an account with any of these easy options.

Start Your Application Online

Apply at a Branch

Or, Apply by Phone

FAQs about Small Business Checking Accounts

To open a business account at Members Choice, please start a Business Checking Application, call us at 281.754.1470 to begin by phone, or visit one of our branch locations in Houston, TX.

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 Account Guidelines and Required Documents

The Business Bill Pay login/enroll link is located under the Business Services section of our website. It can be found by clicking on the Business Services tab, then on Business Bill Pay, then scrolling to the bottom of the page. Login to Business Bill Pay.

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).

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.


1 Check transactions refer to checks both deposited and posted to the account. Check transaction fees: $0.25 charge for each additional check transaction beyond 250 per statement cycle. Cash deposit fees: $0.15 charge per additional $100 cash deposited over $2,500. Business Fee Schedule (PDF).

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.

3 Early Pay: 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 when we receive 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.

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