Business Checking & Spending

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Find your new go-to business checking account at Ideal Credit Union

Your business is one of a kind, and your checking account should reflect that. Whether you're launching a startup, growing a team or expanding operations, Ideal CU offers flexible business checking options that fit your transaction volume, cash flow and management style. With Business Digital Banking, you can pay bills, deposit checks remotely, set employee permissions and manage your finances anytime, anywhere.

Compare Business Checking Accounts

Cooperative Business Checking Simply Business Checking Optimum Business Checking

Cooperative Business Checking

Simply Business Checking

Optimum Business Checking

$50

$1,500

$5,000

$10.00 if balance falls below minimum

$15 if balance falls below minimum

Yes - Check Rates

25 free transactions per month, $0.40 for each additional transaction

75 free transactions per month, $0.40 for each additional transaction

150 free transactions per month, $0.40 for each additional transaction

Daily Point of Sale (POS) transaction limit is $2,000.Ideal CU ATMs - Free

Non-Ideal CU ATMs - $3.50 for each withdrawal or balance inquiry: daily ATM withdrawal limit is $500.

Daily Point of Sale (POS) transaction limit is $2,000.Ideal CU ATMs - Free

Non-Ideal CU ATMs - $3.50 for each withdrawal or balance inquiry: daily ATM withdrawal limit is $500.

Daily Point of Sale (POS) transaction limit is $2,000.Ideal CU ATMs - Free

Non-Ideal CU ATMs - $3.50 for each withdrawal or balance inquiry: daily ATM withdrawal limit is $500.

$6.00

Free

$6.00

1. Annual Percentage Yields (APYs) are subject to change.

2. Inactive Debit Card fee is $6.00 per card if card is not used at least once per month.

3. Automatic transfer made from Share Savings when there are non-sufficient funds in your Ideal Business Checking.

Smart banking for a stronger business

Business Digital Banking

Enroll in eStatements to stay organized and reduce clutter

Automate bill payments and payroll to avoid late fees

Use online transfers to move money quickly between accounts

Give employees custom access with specific user permissions

Set up account alerts to monitor activity and prevent fraud

Deposit checks remotely using mobile or desktop tools

Disclaimers

*Ideal CU withdrawal charges may still apply.

**Certain restrictions apply. Please see the Visa Zero Liability Policy for more details.