Interest-bearing checking account to help power your business
Business Dividend Checking is our low-cost checking account option for businesses and other for-profit organizations that also earns you a rate of return!
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Core Benefits
![green icon of spiked circle with percentage symbol](https://www.fortcommunity.com/_/kcms-doc/1231/82481/BenefitIcon-EarnInterest.png)
Earn Interest
Enjoy 0.15% APY1 on your checking account balance!
![green icon debit card with infinity symbol](https://www.fortcommunity.com/_/kcms-doc/1231/83554/Icon-UnlimitedTransactions.png)
Unlimited Transactions Per Month
No per-item fees will be charged for debits or credits to your account.
![green icon of fountain pen writing with infinity symbol](https://www.fortcommunity.com/_/kcms-doc/1231/83553/Icon-UnlimitedCheckClearing.png)
Order checks online. View images of cleared checks within Online & Mobile Banking.
![green icon of left and right arrows with coin in the middle](https://www.fortcommunity.com/_/kcms-doc/1231/83556/Icon-ACHOriginationAvailable.png)
ACH Origination Available
Set up automatic deposits and withdrawals for recurring payments, invoices, payroll, and more within Online & Mobile Banking.2
![green icon of debit card](https://www.fortcommunity.com/_/kcms-doc/1231/79506/CoreBenefitIcon-DebitCard.png)
Access to 42,000+ surcharge-free ATMs nationwide and more conveninent features.
Additional Benefits
![blue icon of cell phone with speech bubble layed over top, speech bubble contains dollar sign](https://www.fortcommunity.com/_/kcms-doc/1231/79511/AdditionalBenefitsIcon-OnlineMobileBanking.png)
Access your business accounts 24/7 with an enhanced business banking view for you and your employees.
![blue icon of shopping cart](https://www.fortcommunity.com/_/kcms-doc/1231/79510/AdditonalBenefitIcon-CourtesyPayOverdraftProtection.png)
Ditch excessive overdraft fees and avoid your card getting declined at the register.3
![blue icon of sheet of paper rolled at the top and bottom with a dollar sign and lines of text on it](https://www.fortcommunity.com/_/kcms-doc/1231/79508/CoreBenefitIcon-OnlineBillPay.png)
Pay all your monthly bills within Online & Mobile Banking.4
![blue icon of sheet of paper with fold at top right corner, paper includes dollar sign and lines of text](https://www.fortcommunity.com/_/kcms-doc/1231/79512/AdditionalBenefitIcon-EStatements.png)
Skip the paper statements and go paperless, plus you’ll waive the $3 per month paper statement fee.
Monthly Fee |
$7.50, waived if average daily balance exceeds $2,500 or business has a loan with FCCU |
Minimum Opening Deposit |
$100 |
Minimum Balance Requirement |
None |
[1] APY is Annual Percentage Yield.
[2] ACH origination requires underwriting. Contact Director of Business and Community Development for details.
[3] Member must apply for benefit and meet qualification criteria. Fees may apply, see fee schedule.
[4] Member must opt-in to benefit within online or mobile banking. Fees may apply, see fee schedule.
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Account |
Rate |
APY |
0.05% |
0.05% |
|
Business Dividend Checking |
0.15% |
0.15% |
APY is Annual Percentage Yield.
What’s the difference between Rate and APY?
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Best if your business... |
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maintains an average daily balance of $2,500 or more |
is a sole proprietorship, LLC, corporation, or other for-profit organization |
is a 501(c)(3) nonprofit organization or group like a high school class fund |
Unlimited Transactions Per Month |
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Unlimited Check Writing |
||
ACH Origination2 |
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Earns Interest |
||
Monthly Fee |
||
$7.50, waived if average daily balance exceeds $2,500 or business has a loan with FCCU |
$5, waived if average daily balance exceeds $500 or business has a loan with FCCU |
None |
Minimum Opening Deposit |
||
$100 |
$100 |
$100 |
Minimum Balance Requirement |
||
None |
None |
None |
[1] APY is Annual Percentage Yield.
[2] ACH origination requires underwriting. Contact Director of Business and Community Development for details.