Business Checking Accounts

Associated Credit Union of Texas has the Checking Account to fit your business needs. Simplify your business with an account that makes it easy to manage your finances and allows you more time to focus on running your business.

Review the convenience features and criteria for each of our Business Checking Accounts below, or click here to learn more about the key documents required to open an account. To open your Business Checking Account, visit any Associated Credit Union of Texas branch or connect with vBanking.

If you need to be able to accept Debit and/or Credit Cards, click here to see about our Merchant Services.

BUSINESS BASIC CHECKING

Created for businesses that keep a lower balance and has fewer transactions.

Convenience Features

• FREE Online & Mobile Banking
• FREE Business Bill Pay
• FREE eStatements²
• FREE Business Debit Card
• Remote Deposit Access³
• Overdraft Protection from Business Savings and Courtesy Pay available (Fee for each overdraft assessed).

Criteria

• $100.00 Minimum Balance to Open
• Does Not Pay Dividends
• $8.00 Monthly Maintenance Fee
• Minimum Balance: $5,000 Average Daily Balance to Waive Fee
• Transactions – 75 free per month; $0.25 each thereafter (Includes checks deposited, checks written and remote deposited)
• Deposits – 8 Free per month; $0.25 after
• Cash processed¹  - $5,000 free per month (all accounts); $0.10 per $100 after

BUSINESS ADVANTAGE CHECKING

Created for businesses that keep a larger balance and have more transactions.

Convenience Features

• FREE Online & Mobile Banking
• FREE Business Bill Pay
• FREE eStatements²– Printed Monthly Statements Available for $5.00 Per Month
• FREE Business Debit Card
• Pays Dividends
• Remote Deposit Access³
• Overdraft Protection from Business Savings and Courtesy Pay available (Fee for each overdraft assessed).

Criteria

• $500.00 Minimum Balance to Open
• $15 Monthly Maintenance Fee
• Minimum Balance: $10,000 Average Daily Balance to Waive Fee
• Minimum Balances to Earn Dividends: $2,500.00
• Transactions – 150 free per month; $0.25 each thereafter ( Includes checks deposited, checks written and remote deposited)
• Deposits – 15 Free per month; $0.25 after
• Cash processed¹ – $10,000 free per month (all accounts); $0.10 per $100 after

NON-PROFIT ORGANIZATION/CLUB CHECKING

Banking needs for clubs and associations. 

Convenience Features

• FREE Online & Mobile Banking
• FREE Business Bill Pay
• FREE eStatements²
• FREE Business Debit Card
• Overdraft Protection from Business Savings
• No Courtesy Pay Available

Criteria

• $100.00 Minimum Balance to Open
• $0.00 Monthly Maintenance Fee
• Does Not Pay Dividends
• Minimum Balance: $1.00
• Transactions – 75 free per month; $0.25 each thereafter ( Includes checks deposited and checks written)
• Deposits – 8 Free per month - $0.25 after
• Cash processed¹ – $5,000 free per month (all accounts); $0.10 per $100 after

Business Checking Accounts require the opening of a Business Savings Account. Consult Fee Schedule for additional details. Fees may reduce earnings. All fees are subject to change without notice. All accounts are subject to approval. Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. A $30 fee will be charged for each check, debit/ATM card, ACH, or similar transaction if account becomes overdrawn. Transactions exceeding your established limit (and other types of transactions) will not be covered.

¹Cash processed includes cash deposited, cash withdrawn and change orders. Does not include withdrawals from ATM machines.
²Free e-Statements require opt-in at account opening or within Online Banking. A $5.00 monthly fee for mailed paper statements will be billed for business checking accounts when electronic delivery is declined.
³Remote Deposit not available on Non-Profit Organization/Club Checking.

Federally insured by NCUA. Equal Housing Lender.