Business Checking accounts
At Oregon State Credit Union
Our three business checking options give you flexibility, convenience, and value — so you can focus on your business.
Business checking accounts that work as hard as you do
Key Benefits
Low-cost business banking
Easy access
Scales with you
Business Checking account options
Free Business Checking
Simple banking without the fees
Perfect for small businesses or startups, this account covers the essentials with low or no fees.
Affordable from day one
- Open with just $25
- No monthly maintenance fee
- No minimum balance required
Everyday transactions
- 100 free check deposits each month, then $0.20 each
- 100 free checks cleared each month, then $0.20 each
- Cash deposits up to $3,000 per month at no charge, then $0.10 per $100
Easy access
- Free Visa® Business debit card
- Free online banking, bill pay, and overdraft protection options
- Access via mobile banking and ATMs
Smart Business Checking
Banking that grows with your business
Designed for businesses with higher balances and transaction needs, while also rewarding you with dividends.
More flexibility
- Open with $25
- No service fee with a $3,000 average daily balance; otherwise, $10 per month
- Earn interest on your funds while you bank – see our current rates
Higher transaction volumes
- 250 free check deposits per month, then $0.15 each
- 200 free checks cleared per month, then $0.15 each
- Cash deposits up to $5,000 per month at no charge, then $0.10 per $100
Easy access
- Free Visa® Business debit card
- Free online banking, bill pay, and overdraft protection options
- Access via mobile banking and ATMs
Select Business Checking
The premium choice for growing companies
No hidden surprises — just clear, predictable pricing. One low monthly service fee of $15 keeps your account active, plus minimal per-item charges so you only pay for what you use.
Built for bigger operations
- Open with $25
- Service fee of $15 per month — at $10,000, you start to earn dividends that offset the fee
- Earn tiered interest on your funds while you bank
Highest transaction volumes
- Checks deposited per month are charged $0.12 each
- Checks cleared per month are charged $0.12 each
- Cash deposited is charged $0.12 per $100
Easy access
- Free Visa® Business debit card
- Free online banking, bill pay, and overdraft protection options
- Access via mobile banking and ATMs
Business Checking Account details: your account, explained
Effective date
Friday, December 19, 2025
| Account | Minimum balance to earn dividends* | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Free Business Checking | N/A | N/A | N/A |
| Smart Business Checking | $1,000.00 | 0.05% | 0.05% |
| Select Business Checking | $10,000.00 | See chart below | See chart below |
Minimum balance required to open all business checking accounts is $25.00 | |||
*Minimum average daily balance must be maintained to earn dividends. | |||
Business checking account rates
Free Business Checking
Smart Business Checking
Select Business Checking
Minimum balance required to open all business checking accounts is $25.00
*Minimum average daily balance must be maintained to earn dividends.
Select Business Checking account rates
| For account balances of | Dividend rate | Annual Percentage Yield (APY) |
|---|---|---|
| 0 – $9,999 | N/A | N/A |
| $10,000 – $24,999 | 0.05% | 0.05% |
| $25,000 – $49,999 | 0.10% | 0.10% |
| $50,000 – $99,999 | 0.15% | 0.15% |
| $100,000+ | 0.20% | 0.20% |
Select Business Checking account rates
0 – $9,999
$10,000 – $24,999
$25,000 – $49,999
$50,000 – $99,999
$100,000+
| Fee type | Product fees |
|---|---|
| Free Business Checking | |
No minimum balance requirements | |
| Checks deposited–first 100 checks | Free |
| Checks deposited–100+ checks | $0.20 / each |
| Cash deposited–up to $3,000 | Free |
| Cash deposited–over $3,000 | $0.10 / $100 |
| Checks cleared–first 100 checks | Free |
| Checks cleared–over 100 checks | $0.20 / each |
| Smart Business Checking | |
| $3,000 average daily balance | No charge |
| Less than $3,000 average daily balance | $10 / statement period |
| Checks deposited–first 250 checks | Free |
| Checks deposited–250+ checks | $0.15 / each |
| Cash deposited–up to $5,000 | Free |
| Cash deposited–over $5,000 | $0.10 / $100 |
| Checks cleared–first 200 checks | Free |
| Checks cleared–200+ checks | $0.15 / each |
| Select Business Checking | |
| Account service fee | $15 / statement period |
| Checks deposited | $0.12 / each |
| Cash deposited | $0.12 / $100 |
| Checks cleared | $0.12 / each |
| Other checking-related fees | |
| Non-MICR encoded checks | $0.00 / item |
| Misencoded checks | $0.00 / item |
| Overdraft paid (Courtesy Payment) $10.00 or less | No fee |
| Overdraft paid $10.01 or greater | $10.00 per presentment** |
| Returned Item fee (non-sufficient funds) $10.00 or less | No fee |
| Returned Item fee $10.01 or greater | $10.00 per presentment*** |
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |
| Overdraft protection transfer | No fee |
| Stop payment | $25 |
| Check copy | $5 / copy |
| Dishonored credit union check written by authorized signer | $30 / check |
| Business checks | Fees depend on the quantity and style ordered. |
| Temporary checks | $2 / page |
| Check images printed and mailed | $25 / month |
Business checking account fees
Free Business Checking
No minimum balance requirements
Checks deposited–first 100 checks
Checks deposited–100+ checks
Cash deposited–up to $3,000
Cash deposited–over $3,000
Checks cleared–first 100 checks
Checks cleared–over 100 checks
Smart Business Checking
$3,000 average daily balance
Less than $3,000 average daily balance
Checks deposited–first 250 checks
Checks deposited–250+ checks
Cash deposited–up to $5,000
Cash deposited–over $5,000
Checks cleared–first 200 checks
Checks cleared–200+ checks
Select Business Checking
Account service fee
Checks deposited
Cash deposited
Checks cleared
Other checking-related fees
Non-MICR encoded checks
Misencoded checks
Overdraft paid (Courtesy Payment) $10.00 or less
Overdraft paid $10.01 or greater
Returned Item fee (non-sufficient funds) $10.00 or less
Returned Item fee $10.01 or greater
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
Overdraft protection transfer
Stop payment
Check copy
Dishonored credit union check written by authorized signer
Business checks
Temporary checks
Check images printed and mailed
Rate information
The dividend rate and annual percentage yield may change monthly as determined by the Board of Directors. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Accounts closed prior to crediting dividends will not receive accrued dividends. The Investor’s Money Market and Select Business Checking accounts are tiered rate accounts. The dividend rate and annual percentage yield applicable to each account depend on the balance ranges set forth on the preceding page. Once a balance range is met, the dividend rate and annual percentage yield for that range will apply to the entire balance in your account.
Nature of dividends
Dividends and minimum balance for Business Basic Savings accounts, Business Money Market accounts, and Business Investor Money Market accounts are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. For Business Money Market accounts, there is a daily minimum balance requirement of $1,000 to earn dividends. For Business Investor’s Money Market accounts, there is a daily minimum balance requirement of $10,000 to earn dividends. Dividends and minimum balance for Smart Business Checking accounts and Select Business Checking accounts are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. For Smart Business Checking accounts, there is an average daily minimum balance requirement of $1,000 to avoid a service fee. For Select Business Checking accounts, there is an average daily minimum balance requirement of $10,000 to avoid a service fee.
Transaction limitations
For Savings and Money Market accounts, up to six pre-authorized, automatic telephone transfers and online transfers may be made from these accounts to another account of yours or to a third party, in any amount, during any calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.
Business owners, did you know that beginning January 1, 2024 you may be required to report certain information about your company to the United States Government?
- To access resources, stay informed about important dates, and learn about filing your business information, visit the FinCen page: Beneficial Ownership Information Reporting.
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More ways OSCU can support your business
Simplify expense management and keep business spending separate with our Visa® Business credit card — built to work as hard as you do.
