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.
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!
Monthly Criteria:
in good standing. This includes Lines of Credit but not credit card balances.
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 Criteria:
Business Freedom Checking Account
A convenient checking choice for any sized business.
- No minimum balance to open.
- No monthly maintenance fees.
- View current deposit rates
All AmeriCU Business Checking Accounts Feature:
Compare Business Checking Accounts
| Business Freedom Checking | Business High Rate Checking | Business Rewards Checking | Business Analyzed Checking | |
|---|---|---|---|---|
| Monthly Fee | — | Tiered 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 Earning | — | 4.00% APY on balances up to $25,0001 | — | — |
| AmeriREWARDS | — | — | 1 pt. for every $5 spent on qualifying purchases2 | — |
| Credit Earning | — | — | — | 1% flat rate against your estimated average daily balance |
| AmeriCONNECT Visa Business Debit Card | FREE | FREE | FREE | FREE |
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.
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
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.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
You may also be interested in
Business Credit Cards
AmeriCU business credit cardholders enjoy competitively low rates, no annual fee, zero liability from fraud, the global access and acceptance of Visa®, and some great benefits.
Share Certificates
AmeriCU’s share certificates are some of our highest yield deposit options. You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.
Business Lending
When it comes to managing your business, AmeriCU’s Commercial Loan Officers will sit down with you and discuss solutions to help your business thrive.
Latest From AmeriCU
News
AmeriCU Credit Union announces new assistant vice president of financial services
Danielle Hatashita has been announced as the Assistant Vice President of Financial Center Services for AmeriCU Credit Union.
Events
Fayetteville Financial Center’s Let’s Connect Day
AmeriCU members and the community are encouraged to visit the credit union’s Fayetteville Financial Center to learn about all the different services AmeriCU provides, all in one place! Meet with the right teammates and get the answers you need.
Education
Credit Scores and Reports
Your credit score shows your creditworthiness, and lenders use this number to determine whether you’re a good bet to pay back loans or not.
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.