Small Business Checking Accounts


The Right Credit Union Business Checking Accounts for You

Your business is everything to you, and when it comes to things like managing your finances, ensuring payroll is covered, and staying profitable, having a small business checking account designed around your company can make all the difference. Florida Credit Union offers multiple fee-free commercial checking account options and low-interest small business loans created to allow our Florida business banking members to manage their companies, improve their capabilities, and help ensure their financial success - all in one place.

Inquire About a Free Small Business Checking Account Today!

Free credit union business checking accounts from Florida Credit Union include:

  • 225 free transactions per month
  • Free first box of business checks
  • Free Visa® Debit Cards
  • Free online checking account access
  • Phone banking options
  • Free Quicken® downloads
  • Interest on accounts of $5,000* or more
  • Same-day credit
  • Free online bill payer
  • Longest available lobby hours

In addition to these features, FCU commercial checking accounts do not have any hidden fees or offset charges, and include free online banking with multiple login options, an ACH system for automated payroll and bill management, and fast wire transfer capabilities.

So, whether your business has been around for 50 days or 50 years, a Florida Credit Union commercial checking account can help grow your business, manage your resources, and turn your dream into a profitable reality.

Review our available business checking account options below, or learn more about FCU’s business checking account interest rates.

Smart Business Value Checking

  • As our most basic business checking offering, Smart Business Value Checking does not require a minimum balance, and is our only non-interest bearing option.

Smart Business Plus Checking

  • FCU’s Smart Business Plus Checking requires a minimum balance of $5,000 to begin earning interest, and is a great choice for new businesses looking to build a solid financial base.

Smart Business Premium Checking

  • Smart Business Premium Checking accounts help established businesses maintain profitability by earning interest off a $10,000 minimum balance.

Smart Business Silver Checking

  • FCU’s Smart Business Silver Checking offers all the advantages associated with our commercial checking services, but requires a $25,000 minimum balance to begin earning interest.

Smart Business Gold Checking

  • By maintaining a minimum balance of $50,000, business owners can earn higher interest rates and help promote financial growth with Smart Business Gold Checking from Florida Credit Union.

Smart Business Platinum Checking

  • For thriving businesses capable of maintaining a minimum balance of $100,000, Florida Credit Union’s Smart Business Platinum Checking offers the highest interest rate, and is our top tier business checking account.

For more information, view the FCU Fee Schedule.

Learn more about FCU’s Online Business Banking Services Agreement.
*Interest available on Smart Business Plus, Premium, Silver, Gold, or Platinum accounts

Merchant Check Capture Services

Time is money, and when you have to take time out of your busy schedule to deposit checks from your customers, you’re cutting into your profitability. Florida Credit Union understands that check deposits can be a time-consuming task, which is why we offer Merchant Check Capture Services to our business checking members!

Merchant Check Capture allows qualified business checking account members to scan checks from your business and send the images directly to FCU through a secure Internet connection. We will provide all of the necessary equipment and training – all you have to do is scan the checks and get back to building your business.

Merchant Check Capture allows qualified business checking members to:

  • Eliminate multiple trips to FCU branches
  • Make deposits at your convenience
  • Reduce fraud, posting errors, document loss, and the time needed to confirm checks and deposits

For more information on small business checking accounts and Merchant Check Capture, contact Florida Credit Union’s team of business banking professionals today!

UNLAWFUL INTERNET GAMBLING NOTICE – Restricted transactions as defined in Federal Regulation GG are prohibited from being processed through any FCU commercial account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

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