Interest-bearing checking account to help power your business
Business Dividend Checking is our low-cost checking account option for businesses and other for-profit organizations that also earns you a rate of return!
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Core Benefits
Earn Interest
Enjoy 0.15% APY1 on your checking account balance!
Unlimited Transactions Per Month
No per-item fees will be charged for debits or credits to your account.
Order checks online. View images of cleared checks within Online & Mobile Banking.
ACH Origination Available
Set up automatic deposits and withdrawals for recurring payments, invoices, payroll, and more within Online & Mobile Banking.2
Access to 42,000+ surcharge-free ATMs nationwide and more conveninent features.
Additional Benefits
Access your business accounts 24/7 with an enhanced business banking view for you and your employees.
Ditch excessive overdraft fees and avoid your card getting declined at the register.3
Pay all your monthly bills within Online & Mobile Banking.4
Skip the paper statements and go paperless, plus you’ll waive the $3 per month paper statement fee.
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Monthly Fee |
$7.50, waived if average daily balance exceeds $2,500 or business has a loan with FCCU |
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Minimum Opening Deposit |
$100 |
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Minimum Balance Requirement |
None |
[1] APY is Annual Percentage Yield.
[2] ACH origination requires underwriting. Contact Director of Business and Community Development for details.
[3] Member must apply for benefit and meet qualification criteria. Fees may apply, see fee schedule.
[4] Member must opt-in to benefit within online or mobile banking. Fees may apply, see fee schedule.
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Account |
Rate |
APY |
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0.05% |
0.05% |
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Business Dividend Checking |
0.15% |
0.15% |
APY is Annual Percentage Yield.
What’s the difference between Rate and APY?
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Best if your business... |
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maintains an average daily balance of $2,500 or more |
is a sole proprietorship, LLC, corporation, or other for-profit organization |
is a 501(c)(3) nonprofit organization or group like a high school class fund |
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Unlimited Transactions Per Month |
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Unlimited Check Writing |
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ACH Origination2 |
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Earns Interest |
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Monthly Fee |
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$7.50, waived if average daily balance exceeds $2,500 or business has a loan with FCCU |
$5, waived if average daily balance exceeds $500 or business has a loan with FCCU |
None |
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Minimum Opening Deposit |
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$100 |
$100 |
$100 |
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Minimum Balance Requirement |
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None |
None |
None |
[1] APY is Annual Percentage Yield.
[2] ACH origination requires underwriting. Contact Director of Business and Community Development for details.