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Business Checking
Accounts

Let's grow together

American United offers two types of business checking accounts, Basic and Premier.

Open a Business Account

Basic Checking Account

Premier Checking Account

Online & Mobile Banking

Visa ® Rewards debit card

Overdraft Protection Coverages

Business Basic Checking

Ideal for starting your small business

Account features for Basic Checking Only

  • Monthly account fee of $5 is waived with E-Statements
  • No charge for first 250 transactions per month
  • Earn monthly dividends on balances $500+

Account features for Basic & Premier Checking

  • $0 minimum balance to open account
  • VISA® Rewards Debit Card
  • Online & Mobile Banking
  • Cash & Coin Handling
  • Free account access at CO-OP Shared Branches & ATMs
  • End-of-Year Member Dividend Rewards
  • Overdraft Protection Coverages are available
  • Domestic & International wire service
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
Open a Business Account

Business Premier Checking

Ideal for small to large businesses

Account features for Premier Checking Only

  • Higher monthly dividend rate than Business Basic Checking
  • Additional Online & Mobile Banking services
  • One-time account set-up fee of $25
  • Monthly account fee of $20 is waived with balance of $10,000+
  • Fee of $0.05 per transaction
  • Merchant Services for payment processing (optional)
  • Business Remote Check Capture (optional)
  • Earn monthly dividends on balances $500+
  • Rates up to 0.200% APY

Account features for Premier & Basic Checking

  • $0 minimum balance to open account
  • VISA® Rewards Debit Card
  • Online & Mobile Banking
  • Cash & Coin Handling
  • Free account access at CO-OP Shared Branches & ATMs
  • End-of-Year Member Dividend Rewards
  • Overdraft Protection Coverages are available
  • Domestic & International wire service
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
Open a Business Account

Online & Mobile Banking

Banking wherever, whenever

Online and mobile banking offers a comprehensive suite of services including a mobile app, E-Statements, automatic bill pay, Money Desktop tools, mobile deposit, Zelle® payments, and the ability to order checks.

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
  • Order Checks
Online & Mobile Banking

VISA ® REWARDS DEBIT CARD

Earn 1 point for every $4 spent

The VISA® Reward Points Program offers benefits such as Smart Cents Roundup Savings, customizable debit card designs, in-branch instant card issuance, the CardNav® Manager App, and unlimited debit card transactions.

  • VISA® Reward Points Program
  • Smart Cents Roundup Savings
  • Debit Card Design Options
  • Instant Issue Cards Printed In-Branch
  • CardNav® Manager App
  • Unlimited Debit Card Transactions
VISA® REWARDS DEBIT CARD

OVERDRAFT PROTECTION COVERAGES

3 optional coverages to choose from

Overdraft coverage includes options such as an Overdraft Line of Credit, Courtesy Pay, and Overdraft from Savings.

  • Overdraft Line of Credit
  • Courtesy Pay
  • Overdraft from Savings
Overdraft Coverages

No matter how far along you are in pursuit of owning your own business, American United will give you their best effort, products, and services to help you be successful. I was surprised by how patient they were with me. They took the time to get to know my business and I couldn't be any happier. I know they work with some large businesses, so I appreciated how they treated me as if I was on the same level.

American United FCU Member

Open a Business Account

Checking Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Account TypeDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Monthly Dividends
Primary Checking0.050%0.050% APY$0$500+
GoldStar® Checking10.100%0.100% APY$0$500+
Business Basic Checking0.050%0.050% APY$0$500+
Business Premier Checking0.200%0.200% APY$0$500+
ATM Checking2$0
Fresh Start Checking2$100
Empowered Checking3$ 0

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.

Ready to take the next step with a Business Loan?

American United Federal Credit Union offers a range of business loan options to support various needs. These include loans for commercial real estate, business equipment, vehicles, and lines of credit. Additionally, we provide Small Business Administration (SBA) loans designed to offer favorable terms and flexible financing solutions to help small businesses grow and succeed​.

Business Loans