A business or ministry checking account is often the center of financial activity for an organization, and it separates your personal finances. Whether you are just building your business or ministry or looking to transfer to ACCU, our goal is to ensure access and use of your funds is straightforward and convenient. Whether you prefer to write checks, use a debit card, or prefer utilizing digital banking services such as bill pay and online giving – from the convenience of your computer, tablet, or smartphone – we got you covered!
Check out our comparison chart below to determine which checking account is right for you.
All Our Organization Checking Accounts Include:
- No minimum balance requirement
- Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs1
- VISA® Debit Card
- Online Banking & Bill Pay
- Mobile Banking & Mobile Deposit
Account Feature | Corporate Checking | Ministry Checking |
---|---|---|
Available to Businesses / For-Profit | ✓ | N/A |
Available to Churches / Ministries / Non-Profit | ✓ | ✓ |
Best for | Organizations with higher activity and check clearing | Small to medium sized organizations |
Minimum balance to open | $100 | $100 |
Minimum balance to earn dividends | $1,500 | N/A |
Annual Percentage Yield (APY) | 0.05% | N/A |
Debit Card | ✓ | ✓ |
Access to Online Banking & Mobile Banking3 | ✓ | ✓ |
Access to 30,000+ Shared Branches Nationwide1 | ✓ | ✓ |
Online Bill Pay | ✓ | ✓ |
Overdraft Protection (Eligibility required)4 | ✓ | ✓ |
Unlimited Deposits | ✓ | ✓ |
Unlimited Check Clearing | ✓ | Up to 10 checks cleared per month |
Digital Invoicing and Payment Solutions | ✓ | ✓ |
Remote Deposit Capture & Cash Management | ✓ Additional Fees Apply | ✓ Additional Fees Apply |
Service Fee | $15.00 | $10.00 if more than 10 checks clear |
Paper Statement Fee (Waived with E-Statements) | $3.00 Per Month | $3.00 Per Month |
Save time and money
Available 24/7 from anywhere
Set up helpful email alerts
Highest level of security
Eliminate paper waste
Simplify recordkeeping
Reduce chance of identity theft
Arrive faster than paper statements
Fast, free, and easy 3
Online Banking in palm of hand
Available 24/7 from anywhere
Set up helpful email alerts
Over 5,600 branch locations
Make deposits, withdrawals, and more
Easy online branch locators
Locate by phone or mobile app
Over 30,000 ATM locations nationwide
Partnered with the CO-OP network
Search for ATMs online
Withdraw cash and more

1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
2 – APY = Annual Percentage Yield. For average daily balances of $1,500+
3 – Message and data rates may apply.
4 – Enrollment and eligibility requirements apply. Ask an ACCU representative for additional details.
Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.