Business Checking Accounts
Make day-to-day money management the least of your business worries
Time is money. That’s why our business checking accounts make it easy to take care of the details so you can focus on the bigger picture. After all, you deserve a financial partner that cares just as much about the success of your business as you do.
Find the right checking account for your business
We offer business checking account options for businesses of any size.
This simple and cost-effective account is designed for start-ups, small businesses or side hustles with lower balances and fewer transactions. Business Free Checking gives you digital tools and support you can count on for a seamless banking experience. It includes:
- No minimum balance requirement
- No monthly transaction, servicing or maintenance fees
- Access to Sweeps to automate saving for your business
- Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
- Debit card fraud monitoring
- Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks1
- Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
- Customizable Shine Business Shared Access accounts for employees or accountants
- Customizable alerts by email or text on account activity, balances and more
- Mobile deposit and other business services
- Direct Connect to Quickbooks
- Low-cost check options
1Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATM’s you will not incur a surcharge from Dupaco unless you use your card more than eight times per month.
Crafted for seasoned entrepreneurs and evolving businesses, this account offers an opportunity to boost your earnings while you manage your business. If you carry a larger balance but don’t need a lot of other services, this account could be your strategic ally. It includes:
- No initial deposit requirements
- Ability to skip a $10 monthly fee by keeping your monthly balance above $5,000
- Access to Sweeps to automate saving for your business
- Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
- Debit card fraud monitoring
- Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks1
- Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
- Customizable Shine Business Shared Access accounts for employees or accountants
- Customizable alerts by email or text on account activity, balances and more
- Mobile deposit and other business services
- Direct Connect to Quickbooks
- Low-cost check options
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $100,000+ | 0.15% | 0.15% | None | $100,000 |
| $25,000 - $99,999.99 | 0.15% | 0.15% | None | $25,000 |
| $5,000 - $24,999.99 | 0.10% | 0.10% | None | $5,000 |
| Less than $5,000 | N/A | N/A | None | N/A |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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1Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATM’s you will not incur a surcharge from Dupaco unless you use your card more than eight times per month.
This account is designed for seasoned businesses that carry a larger balance and handle a lot of transactions. You’ll get access to personalized guidance to navigate your unique business needs. Since these accounts require additional resources, they’re subject to minimal fees1. It includes:
- Ability to offset or minimize monthly fees by maintaining certain deposit balances1
- Access to personalized guidance to navigate your unique business needs
- Access to Sweeps (and the ability to offset or minimize the monthly fee1) to automate saving for your business
- Free MoneyCard/Debit MasterCard with EMV chip and contactless payment technology
- Debit card fraud monitoring
- Fee-free withdrawals within the Privileged Status and CO-OP ATM Networks2
- Free Shine Online and Mobile Banking to monitor your cash flow, pay bills and more
- Customizable Shine Business Shared Access accounts for employees or accountants
- Customizable alerts by email or text on account activity, balances and more
- Comprehensive monthly activity statements providing insights into your account
- Mobile deposit and other business services
- Direct Connect to Quickbooks
- Low-cost check options
1Before you open a Business Analysis Checking account, we’ll help you calculate the expenses associated with it to help you determine whether it’s the right account option for your business.
2Unlimited ATM access at all Dupaco-owned ATMs. If you access other ATMs you will not incur a surcharge from Dupaco unless you use your card more than eight times per month.
Did you know? Your deposits are safe
At Dupaco, deposits are federally insured up to $250,000 per account by the National Credit Union Administration.
Meet Sweeps
Designed to automate your savings and boost your earnings
Just choose how much money you want to keep in your business checking account. Then at the end of each day, we’ll sweep excess funds to your savings account. And if your checking account balance doesn’t have enough money, funds are swept back in from your savings account as a form of overdraft protection.
Tip: With Sweeps, you can pay down your line of credit faster in order to save on interest! You can also connect your line of credit to your business checking account to act as form of overdraft protection.
Contact Business Services at 800-373-7600, ext. 234, or email us to start saving—and earning—with Sweeps.
Ready to open your business checking account?
Give our business services team a call at 800-373-7600, ext. 234 or drop us your info below and we’ll be in touch in one business day.
