Free Business Checking
Simple and convenient business checking accounts for Christian owners of small to medium sized businesses, ministries, and non-profits

What is Free Business Checking?

Free Business Checking is suited for small to medium sized businesses, ministries, and non-profits. Your organization is at times seen as your mission field for Kingdom-expansion, and you might not require all the bells and whistles of a full-featured Corporate Checking account. This checking account is designed to help growing organizations and scale to their activity levels. 

Benefits of Free Business Checking
No monthly fees
No minimum balance required
Free online banking
A max of 10 cleared checks per month*
*$10.00 monthly fee will be charged if more than 10 checks cleared per month.
Open Your Free Business Checking Account Today
ACCU is your financial partner, ready to know your mission field and help your business grow - no matter what phase you are in and no matter where you are in the country. Before you click Open Account, please view the required items needed to be prepared with to fill out the application.
Required Items To Open An Account
  • Completed Membership Application (including membership qualification)
  • EIN Confirmation Letter from IRS
  • Formation Documents (may vary depending on the organization type)
  • Active Registration Status with your state
  • Recent Board Minutes or a letter from the Board Secretary identifying all approved account signers (may vary depending on the organization type)
  • Filed DBA documents (if applicable)
Free Business Checking Frequently Asked Questions

Do I need personal membership with America’s Christian Credit Union member to apply for a Free Business Checking account for my organization?

You don’t need personal membership to start the Free Business Checking
application for your organization, but you will need to qualify for and complete membership for your organization to finish the process. 

However, if you are applying as a sole proprietorship or independent contractor, you will need to qualify with personal membership with ACCU. We are all about a life-long relationship – and we want to serve those within various fields of business. You can file for personal membership starting here.  

Do I have to maintain a minimum balance to have a Free Business Checking account or to earn interest?

Your organization is not required to have a minimum balance for your Free Business Checking account. To earn interest, you will need to have a Corporate Checking account with a minimum balance of $1,500.

Can my organization have more than one Free Business Checking account?

Yes, your organization can have more than one Free Business Checking account with ACCU. We are here to help you scale your business as it grows and fluctuates.

Can I add more signers to our account?

Yes, you can add more signers to your Free Business Checking account. If your organization is a current member, you can go here to find information on requesting to add more signers to your organization’s account.