Choose which checking works best for your business!

AmeriCU’s new checking accounts let you earn points for your business purchases or earn one of the highest dividend rates available on the money in your account. Paired with our business cash management services, like remote deposit, business ACH, Autobooks, and more – we’re truly a partner in your business’ success, no matter which checking account you choose!

To open your business checking account, visit your nearest financial center,
or click ‘let’s connect’ in the bottom right corner to chat with a live representative.

Business High Rate Checking Accounts from AmeriCU

New! AmeriCU Business High Rate Checking Account

Earn 4.00% APY on your first $25,0001 – that’s one of the highest dividend rates available!

  • Tiered rates available.
  • Monthly maintenance fees apply and can be waived based on tier.

  • Monthly Criteria:
  • 12 or more signature-based debit transactions.
  • $50,000 or more combined active advanced loan dollars
    in good standing. This includes Lines of Credit but not credit card balances.
  • Enrollment with eStatements.
  • Business Rewards Checking Accounts from AmeriCU

    New! AmeriCU Business Rewards Checking Account

    Earn 1 point for every $5 spent on your business! Redeem your points for great rewards, like travel, gift cards, merchandise, or charitable giving!

  • Monthly maintenance fees apply and can be waived based on tier.

  • Monthly Criteria:
  • 12 or more signature-based debit transactions.
  • Enrollment with eStatements.
  • Promo Image

    Business Freedom Checking Account

    A convenient checking choice for any sized business.




    Compare Business Checking Accounts

    Business Freedom CheckingBusiness High Rate CheckingBusiness Rewards CheckingBusiness Analyzed Checking
    Monthly FeeTiered fees apply.

    Can be waived based on minimum balance or combination of services.
    Tiered fees apply.

    Can be waived based on minimum balance or combination of services.
    $35/month

    Earning credits can offset this.
    Minimum Balance to Open
    Dividend Earning4.00% APY on balances up to $25,0001
    AmeriREWARDS1 pt. for every $5 spent on qualifying purchases2
    Credit Earning1% flat rate against your estimated average daily balance
    AmeriCONNECT Visa Business Debit CardFREEFREEFREEFREE
    To open your business checking account, visit your nearest financial center, or click ‘let’s connect’ in the bottom right corner to chat with a live representative.

    Frequently Asked Questions

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    There is no minimum balance to receive a dividend, however, the dividend will vary based on account balance and requirements being met.

    If requirements are met, members will earn:

    4.00% Annual Percentage Yield (current as of 6/1/24) on balances up to $25,000;
    2.08% APY to 4.00% APY on balances of $25,000.01 to $50,000;
    0.20% APY to 2.10% APY on balances $50,000.01 and over.

    If requirements are not met, members will earn:

    0.05% APY on balances $.01 to $10,000;
    0.10% APY on balances $10,000.01 to $25,000;
    0.15% APY on balances of $25,000.01 to $50,000;
    0.20% APY on balances $50,000.01 and over.

    The dividend rate may change after the account is opened, but we’ll always work to offer you one of the best, highest rates in the industry and in the area on your checking account balances.

    Please note the high rate annual percentage yield (APY) only applies on balances up to the first $25,000 in your checking account when the criteria is met. The APY that applies to balances of $25,000.01 to $50,000, and the APY on balances $50,000.01 and over, will yield a blended APY when combined with the 4.00% APY. The blended APY is what will be reflected in monthly dividend postings both in your transaction history and on your statement.

    Currently, you’ll earn 1 reward point for every $5 spent on qualifying signature-based transactions using your AmeriCONNECT Visa Debit Card. There is no minimum balance required to earn rewards.

    You need to make 12 or more signature-based debit card swipes per month and be enrolled in eStatements. For the Business High Rate account, you will also need to have >=$50,000 combined active advanced loan dollars in good standing (this can include lines of credit, but not credit card balances).

    Qualifying debit card transactions include transactions made at the point of sale that process as a signature-based credit transaction. If given the choice, choose “credit”. These transactions must post and clear your account during each month payment cycle to qualify for that month. ATM and ACH transactions do not qualify.

    If you don’t meet the requirements in any given month:

    Business Rewards Checking – You will not earn points for that month, but your points from previous months will not be lost.

    Business High Rate Checking – Members will earn 0.05% APY on balances $.01 to $10,000; 0.10% APY on balances $10,000.01 to $25,000; 0.15% APY on balances of $25,000.01 to $50,000; and 0.20% on balances $50,000.01 and over.

    No. ATM transactions and transfers do not qualify.

    Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. Dividends post on the first. Rewards may take up to 48 hours to post.

    Unfortunately, there are no foreign ATM fee refunds or rebates offered for Business Checking accounts.

    Yes. There is a limit of three AmeriCU Business High Rate or Business Rewards Checking accounts allowed per member.

    You can redeem your points at checkout, for merchandise, discounts at the pump, even unlimited cash back. Visit www.AmeriCU.org/AmeriREWARDS to find out all the ways you can take advantage of your reward points.

    Monthly Fees

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    Tier 1
    $15 Fee
    Waive by maintaining $5,000 minimum balance in the Checking Share or one of the following services:

    • savings account with balance of $25,000 or more or
    • presence of Line of Credit (excluding Overdraft Lines of Credit) or
    • loan in good standing

    Tier 2
    $25 Fee
    Waive by maintaining $15,000 minimum balance in the Checking Share or one of the following services:

    • savings account with balance of $25,000 or more or
    • presence of Line of Credit (excluding Overdraft Lines of Credit) or
    • loan in good standing

    Tier 1
    $15 Fee
    Waive by maintaining $5,000 minimum balance in the Checking Share or one of the following services:

    • savings account with balance of $25,000 or more or
    • presence of Line of Credit (excluding Overdraft Lines of Credit) or
    • loan in good standing

    Tier 2
    $25 Fee
    Waive by maintaining $15,000 minimum balance in the Checking Share or one of the following services:

    • savings account with balance of $25,000 or more or
    • presence of Line of Credit (excluding Overdraft Lines of Credit) or
    • loan in good standing

    Transaction Fees

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    Tier 1

    Up to 250 transactions at no charge per month, then $.15 for every transaction over 250.

    Tier 2

    Up to 500 transactions at no charge per month, then $.15 for every transaction over 500.

    Tier 1

    Up to 250 transactions at no charge per month, then $.15 for every transaction over 250.

    Tier 2

    Up to 500 transactions at no charge per month, then $.15 for every transaction over 500.

    Let's Connect

    Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

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    AmeriCU Business High Rate Checking Account Disclosures

    1 Annual Percentage Yields (APY) are current as of June 1, 2024 and the rate may change after the account is opened. Earn 4.00% APY on checking account balances up to $25,000, 2.08% APY to 4.00% APY on balances of $25,000.01 to $50,000, and 0.20% APY to 2.10% APY on balances $50,000.01 and over when you meet the three requirements below:

    • Make 12 or more debit signature swipes per monthly statement cycle; and
    • Carry over $50,000 in combined active advanced loan dollars in good standing (including lines of credit but not credit card balances); and
    • Be enrolled with eStatements.

    If you do not meet the above requirements, you will earn 0.05% APY on balances $.01 to $10,000, 0.10% APY on balances $10,000.01 – $25,000, 0.15% APY on balances of $25,000.01 to $50,000, and 0.20% APY on balances $50,000.01 and over.

    Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. Selecting Credit at checkout instead of Debit qualifies as a Debit Signature Swipe, without the use of a PIN. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.

    We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.

    Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. Monthly fees apply. Fees may reduce earnings on the account. Refer to the Truth in Savings Disclosure for Business Savings and Checking/Fee Schedule for monthly maintenance and other account fees. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member.

    AmeriCU Business Rewards Checking Account Disclosures

    2 To earn rewards from AmeriCU’s Rewards Checking account, members must:

    • Make 12 or more debit signature swipes per monthly statement cycle;
    • Be enrolled with eStatements.

    Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. Selecting Credit at checkout instead of Debit qualifies as a Debit Signature Swipe, without the use of a PIN. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
    Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. Monthly fees apply and may reduce earnings on the account. Refer to the Truth in Savings Disclosure for Business Savings and Checking/Fee Schedule for monthly maintenance and other account fees. There is a limit of three AmeriCU Business High Rate or Business Rewards Checking accounts allowed per member.

    AmeriCU Business Analyzed Checking Account Disclosures
    Credits can be used on available balances to offset many fees. Monthly credits are calculated as a percent of the estimated average daily balance. Credit amounts are variable and subject to change. The credit allowance applies only to the current statement cycle.