Business Banking / Products
Federal Capital UnionBusiness Checking Accounts
Open a Checking Account for your Business
We offer different types of checking accounts to make sure you have what you need!
Small Business Checking
- $100 minimum deposit to open
- No minimum monthly balance required
- 400 free items per month
- $0.50 per excess item
- Unlimited check writing
- Free standard Debit Card, Online Banking, Business Bill Pay, & Mobile Deposit
- Monthly paper statements without images or eStatements
Business Interest Checking
- $100 minimum deposit to open
- $1000 minimum monthly balance
- $8 monthly fee if minimum balance not maintained each day of the statement cycle
- 300 free items per month
- $0.50 per excess item
- Interest credited monthly
- Unlimited check writing
- Free standard Debit Card, Online Banking, Business Bill Pay, & Mobile Deposit
- Monthly paper statements without images or eStatements
Commercial Checking
- $100 minimum deposit to open
- $10 monthly fee*
- $0.10 per debit item, $0.12 per credit item
- Fees can be offset by earnings credit on balances
- Free Notary service
- Unlimited check writing
- Free standard Debit Card, Online Banking, Business Bill Pay, & Mobile Deposit
- Monthly paper statements without images or eStatements
*Other fees may apply for additional account activity.
Not Sure Which Account Is Right For You?
Compare features and benefits of our Business Checking Accounts.
| Small Business | Business Interest | Commercial | |
| Min. deposit required | $100 | $100 | $100 |
| Min. monthly balance required | $100 | $100 | $100 |
| Monthly Service charge | $0 | $0/$8.00 if balance not maintained | $7.50 |
| Free Items | 400 | 300 | 0 |
| Cost per excess item | $0.50 | $0.50 | $0.10 per debit item, $0.12 per credit item |
| Interest | - | Credited Monthly | - |
| Check writing | Unlimited | Unlimited | Unlimited |
| Debit Card | Standard | Standard | Standard |
| Online Banking | |||
| Bill Pay | |||
| Mobile Deposit | Free | Free | Free |
| Statements | Paper w/o images or eStatements | Paper with images or eStatements | Paper with images or eStatements |
| Notary Service | - | - |
Visit a Branch
Apply at any branch of Federal Capital Union Bank. We can assist you with setting up the account of your choice, or even help you decide if you're still not sure.
Are You Looking to Open a Personal Checking Account?
We don't just offer business checking accounts. We offer personal ones too!
Take Control of Your Finances
Explore some of the other ways Federal Capital Unioncan help you manage your money.
Online Banking
Gain access to your accounts anytime and from anywhere using Federal Capital Uniononline or mobile banking solutions. You'll even have the power to pay bills, transfer money, complete mobile deposits, and a whole lot more!
Business Savings Accounts
With a variety of account types, including Money Markets, you will find the perfect savings account for your business. It’s never been easier to keep your money safe while you focus on growing your business.
Business Credit Cards
Whether you’re looking for no annual fee or reward options, our Mastercard® or Visa® gives you the flexibility to choose the card that’s just right for your business.