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Email UsA business or ministry checking account is often the center of financial activity for an organization, and it separates your personal finances. Whether you are just building your business or ministry or looking to transfer to ACCU, our goal is to ensure access and use of your funds is straightforward and convenient. Whether you prefer to write checks, use a debit card, or prefer utilizing digital banking services such as bill pay and online giving – from the convenience of your computer, tablet, or smartphone – we got you covered!
Check out our comparison chart below to determine which checking account is right for you.
All Our Organization Checking Accounts Include:
- No minimum balance requirement
- Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs1
- VISA® Debit Card
- Online Banking & Bill Pay
- Mobile Banking & Mobile Deposit
| Account Feature | Corporate Checking | Ministry Checking |
|---|---|---|
| Available to Businesses / For-Profit | ✓ | N/A |
| Available to Churches / Ministries / Non-Profit | ✓ | ✓ |
| Best for | Organizations with higher activity and check clearing | Small to medium sized organizations |
| Minimum balance to open | $100 | $100 |
| Minimum balance to earn dividends | $1,500 | N/A |
| Annual Percentage Yield (APY) | 0.05% | N/A |
| Debit Card | ✓ | ✓ |
| Access to Online Banking & Mobile Banking3 | ✓ | ✓ |
| Access to 30,000+ Shared Branches Nationwide1 | ✓ | ✓ |
| Online Bill Pay | ✓ | ✓ |
| Overdraft Protection (Eligibility required)4 | ✓ | ✓ |
| Unlimited Deposits | ✓ | ✓ |
| Unlimited Check Clearing | ✓ | Up to 10 checks cleared per month |
| Digital Invoicing and Payment Solutions | ✓ | ✓ |
| Remote Deposit Capture & Cash Management | ✓ Additional Fees Apply | ✓ Additional Fees Apply |
| Service Fee | $15.00 | $10.00 if more than 10 checks clear |
| Paper Statement Fee (Waived with E-Statements) | $3.00 Per Month | $3.00 Per Month |
Save time and money- Available 24/7 from anywhere
- Set up helpful email alerts
- Highest level of security
- Eliminate paper waste
- Simplify recordkeeping
- Reduce chance of identity theft
- Arrive faster than paper statements
- Fast, free, and easy 3
- Online Banking in palm of hand
- Available 24/7 from anywhere
- Set up helpful email alerts
- Over 5,600 branch locations
- Make deposits, withdrawals, and more
- Easy online branch locators
- Locate by phone or mobile app
- Over 30,000 ATM locations nationwide
- Partnered with the CO-OP network
- Search for ATMs online
- Withdraw cash and more
- Save time and money
- Available 24/7 from anywhere
- Set up helpful email alerts
- Highest level of security
- Eliminate paper waste
- Simplify recordkeeping
- Reduce chance of identity theft
- Arrive faster than paper statements
- Fast, free, and easy 3
- Online Banking in palm of hand
- Available 24/7 from anywhere
- Set up helpful email alerts
- Over 5,600 branch locations
- Make deposits, withdrawals, and more
- Easy online branch locators
- Locate by phone or mobile app
- Over 30,000 ATM locations nationwide
- Partnered with the CO-OP network
- Search for ATMs online
- Withdraw cash and more
1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
2 – APY = Annual Percentage Yield. For average daily balances of $1,500+
3 – Message and data rates may apply.
4 – Enrollment and eligibility requirements apply. Ask an ACCU representative for additional details.
Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.