Business Checking. Bells and whistles included.

Smaller business with lower transactions? Or larger business with higher transaction volumes? Whichever business checking account option works best for you, each of our three business checking options is incredibly rich with the features you’d expect from working with us. And we’ll provide personalized service and set-up assistance to get you going quickly.

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Three types of business checking accounts to choose from.

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BASIC BUSINESS CHECKING
For low transaction volumes
  • No monthly service fee if $500 minimum daily balance maintained
  • 75 free transactions per month
  • And much more
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BUSINESS RELATIONSHIP CHECKING
For growing mid-sized businesses
  • No monthly service fee if $25,000 minimum daily balance maintained
  • 500 free transactions per month.
  • And much more
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Commercial Checking
For larger businesses with more complex banking needs
  • Improve cash flow
  • Reduce fees with earnings credits and pay only for services you use
  • And much more

Each USB business checking account includes

  • Business Online Banking
  • Bill Pay
  • USB Business Debit Cards
  • USB Business Mobile App
  • Remote Check Deposit
  • Merchant Card Processing
  • Free eStatements
  • USB ATMs
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Commercial Account Analysis Checking

This analyzed business checking account is best for businesses with higher transaction volume or more complex banking and cash management needs. With this account:

  • Your monthly banking fees are determined by transaction volume, services utilized and an earnings credit for balances maintained
  • You have access to advanced cash management services like ACH bank transfers, Remote Check Deposit, Positive Pay and Lockbox services
  • A dedicated Treasury Services team member will be with you every step of the way

The Visa® Debit Card. A shortcut to convenience.

Every business checking account features a free USB Visa ATM Debit Card – an incredibly handy benefit. No need to write checks, and it’s safer than carrying cash. You can also use it everywhere Visa is accepted, so whenever you travel outside the USB ATM area, you’ll still have access to your funds 24 hours a day, 7 days a week.

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And if your card is ever lost or stolen, you’re covered by Visa’s Zero-Liability Policy* so you do not pay for unauthorized purchases.

Business Banking FAQs

Can I use QuickBooks with my consumer banking accounts?

No. QuickBooks is a business based product and can only be used with exports from Business Online Banking

How do I setup Intuit Quickbooks for my account?

How do I download the Business Banking User Guide?

Download our Business Banking User Guide by clicking here

How do I open a Union Savings Bank business checking account?

Please visit a branch to open your account. The process should take less than 20 minutes. If you are a new customer, you will need to provide the first two pages of the Articles or Organization and the EIN. If you are registered on C.O.N.C.O.R.D and the registration is current, only the EIN must be provided. If you are a DBA, you will need to provide the Trade Name certification of the town in which you operate your business. You must also bring funds for the minimum required deposit in form of cash or a check.

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Disclaimers

If the account becomes overdrawn, fees may be assessed. Please see our Schedule of Interest and Deposit Account Charges or call 866.872.1866 for further information.

1 First two months are free for new customers only

2 First 75 debit and credit transactions are free; additional transactions are $0.50 each. Transactions include checks, ACH withdrawals including automatic bill payment transactions, point of sale, phone/internet/automated transfers, deposits including the deposit ticket and checks in the deposit, and direct deposits

3 First 500 debit and credit transactions are free; additional transactions are $0.50 each. Transactions include checks, ACH withdrawals including automatic bill payment transactions, point of sale, phone/internet/automated transfers, deposits including the deposit ticket and checks in the deposit, and direct deposits

4 Business Online Banking Single User is free and includes multiple tax ID’s and single user

5 Business Online Banking Multi User includes multiple tax IDs and multiple users; fees apply – contact Treasury Services for pricing at 203.830.6927 or treasuryservices@unionsavings.com

6 Business Relationship Checking customers are eligible for a free Preferred Business Savings Account; if no Business Relationship Checking account, the service fee is $10.00 per statement cycle

7 A separate application is required. Subject to credit approval

8 There is no fee to use a USB ATM or USB Debit Card at a USB ATM. A $2.00 ATM and / or Debit Card fee will be assessed at non-USB ATMs. This fee does not include non-USB ATM surcharges assessed by the other bank.

*Visa’s Zero Liability Policy covers U.S. Visa issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify Union Savings Bank immediately of any unauthorized use. If determined that the unauthorized transactions occurred because of your gross negligence or fraud, the special limitations on liability may not apply. To access Visa’s Zero Liability Policy click here.