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.
Compare AccountsThree types of business checking accounts to choose from.
- No monthly service fee if $500 minimum daily balance maintained
- 75 free transactions per month
- And much more
- No monthly service fee if $25,000 minimum daily balance maintained
- 500 free transactions per month.
- And much more
- Improve cash flow
- Reduce fees with earnings credits and pay only for services you use
- And much more
- BASIC BUSINESS CHECKING
- BUSINESS RELATIONSHIP CHECKING
Not sure where to begin?
Let's compare business checking accounts.
- BASIC BUSINESS CHECKING
- BUSINESS RELATIONSHIP CHECKING
- Minimum Opening Balance
- $100
- $100
- Service Fee Per Statement Cycle
- $7.501
- $12.001
- Minimum Daily Balance to Waive Service Fee
- $500
- $25,000
- Debit & Credit Transactions Free Per Month
- 752
- 5003
- Business Online Banking (Single-User)
- Free4
- Free4
- Business Online Banking (Multi-User)
- Available5
- Available5
- Business Mobile App with Mobile Deposit
- Preferred Business Savings Account
- Available6
- Free6
- Remote Check Deposit
- Merchant Services
- Available7
- Available7
- USB Credit Cards & Procurement Cards
- Available7
- Available7
- Cash Management & Treasury Services
- Available
- Available
- USB ATMs
- No charge8
- No charge8
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
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.
Open an Account at a Branch TodayAnd 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 Checking FAQs
Does Union Savings Bank offer a business checking account that comes with free transactions?
Yes, our Basic Business checking allows the first 75 transactions free of charge ($.50 per debit/credit applied thereafter) per statement cycle. Find out more about our Business Checking products
Can I make deposits to my Union Savings account from my office?
Yes, there are two ways:
– Download the USB Business Mobile App from the Apple App Store or Google Play
– Use USB Remote Check Deposit which allows you to scan checks from a special desktop scanner. Find out more
Is there a cash handling fee?
No, we do not charge our customers to count the cash in their deposit.
How do I open a joint business checking account?
Please visit a branch to open your account. The process should take less than 15 minutes. Both applicants should bring two different forms of ID, e.g. a valid driver’s license, credit card, insurance card or passport. You must also bring funds for the minimum required deposit in form of cash or a check. Please note each applicant will have to sign the signature card.
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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.