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Everything you need in small business checking

Manage your finances with a simple, low-cost checking account and a trusted, local partner.


You’ve got big dreams for your business and having a simple, affordable checking account will help you achieve them. The Business Essential account has everything you need to get your small business to the next level.


Low or no monthly fees

Pay a low monthly fee of $8 or waive the fee with an average daily checking balance of $1,000 or combined average daily business balance of $5,000. Free for 501(c)(3) non-profits.

Remote Deposit Capture

Save time and make multiple check deposits into your business account from your home or office scanner.*

Business wires

Use the business wires feature in digital banking to make secure payments directly into your recipient’s account.**

Free digital banking

Get instant access to your account online or via the RCU mobile app. Check balances, make mobile deposits, transfer money, make payments, pay bills and more—anytime and anywhere.

Nationwide ATM access

With access to over 30,000 ATMs, it’s easy to get cash when you need it.

Good to know

Minimum balance at opening

The minimum deposit required to open this account is $100.

Share savings account required

Our Members are our owners and this is your share of RCU ownership. Minimum $5 deposit required.

Maximum number of items

You can deposit or pay up to 300 checks per month. If your account exceeds 300 items, the account will automatically move to the Business Choice Checking account.

Learn more about Business Choice Checking

Coin and currency processing

Fees for cash deposits are $5 per $1,000 deposited or withdrawn.

How to get a Business Essential Checking account

Follow these simple steps to open your account.

  • 1

    Complete the application

    It will only take a few minutes!

  • 2

    Make a deposit

    Put at least $100 in your account.

  • 3

    Start banking

    Easily manage your business expenses and watch your business grow.

Open a Business Essential Checking Account

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Get everything you need with Business Essential Checking

Enjoy hassle-free money management.

  • *Business must lease or purchase scanner and have specific system requirements to utilize Remote Deposit Capture. Certain restrictions may apply. Learn more about Remote Deposit Capture here.
    **Certain restrictions may apply. Service is not guaranteed. Business must apply for and be granted access to business wires. Additional fees may apply.