Skip to main content Skip to footer
Business Checking Accounts

Business Checking Accounts

Flexible banking solutions for your business’ daily needs

Providing options to help your business thrive

Our small business and commercial deposit accounts make banking simple, and our products can grow with you as your business grows. When you open a business checking account, you can also enjoy Merchant Services, a TDECU Business Mastercard, and get a Business Line of Credit tied to your account as an overdraft protection.

TDECU Business Accounts offer

Helping non-profits and small businesses


Non-Profit Accounts

If your business is established as a non-profit or club, TDECU offers you a checking account that charges no monthly fees while continuing to provide all the services listed above.


Sole-Proprietor, Small Business, Commercial Transaction Accounts

If your business is established as a sole-proprietor, corporation, LLC, LLP, or any other legal entity, TDECU offers a basic checking account with all of the above listed features for only $10 per month.

Get started today

For more information about opening a business account today, contact our Digital Deposit Services team at 800-839-1154 ext. 6050, email us, or stop into any of our Member Centers.

Product features, rates & fees

Account Type Interest Balance Requirements Features and Benefits Account Limitations
  Interest Rate/APY1 Minimum Opening Deposit Min Balance to Avoid Service Fee Min Balance to Earn the Stated APY1 Monthly Service Fee Number of Items w/o fee Fee for Add'l Items  
Regular Savings .10 / .10 $5 $0 $0 N/A N/A N/A Account transfer limitations apply.2
Small Business Checking .12 / .12 $20 $0 $5,000 $10 150 $.25 per item None
Non-Profit (Free Checking) .12 / .12 $1 $0 $0 N/A N/A N/A None
Money Market Subject to change weekly $2,500 $2,500 $2,500 $10 N/A N/A Account transfer limitations apply.2
Club .10 / .10 $0 $0 $0 N/A N/A N/A Account transfer limitations apply.2

Associated Fees


Returned Items $32 per presentment
Non-Sufficient Funds/NSF Items $32 per presentment
Coin $0.25 per roll
Currency $0.15 per strap
Check/Draft Copy $3 each
Statement Copy $5 per statement
Stop Payment $28 each
Regulation D Violation $25 per account per month
Reverse Wire Fee $20
Wire Transfers (Domestic) $15 (Online)
$20 (in branch or by phone)
Wire Transfers (Foreign) $45
Merchant Services Negotiated
Courtesy Pay3 $32 each occurrence
ACH Returned Item $32 per presentment
Foreign Item Collection $20 each

As of May 1, 2019


APY = Annual Percentage Yield. Last Interest Declaration Date is April 15, 2019.
Federal regulations limit the number of transfers/withdrawals from a money market account to six per calendar month via fax, telephone, online, ACH, or money market check. You may transfer/withdraw as often as you like in person, via mail or messenger, ATM, or to pay loan payments.
Fee applies when overdraft is created by check, in-person, withdrawal, ATM withdrawal, or other electronic means.
An "item" takes into consideration a debit, a credit or items in a deposit.
If you have any questions ore require further rate or fee information on your account, please call TDECU at 800-839-1154.

Live Chat