Our small business and commercial deposit accounts make banking simple, and our products can grow with you as your business grows. Access your accounts online, on mobile, and by phone. Anytime. Anywhere.
At TDECU you’ll enjoy:
- Very affordable commercial and sole-proprietor transaction accounts
- Non-profit accounts with no service fees
- Commercial money market and time deposit accounts
- Using our FREE and easy Online and mobile banking services
- Paying your bills with our FREE bill pay
- Taking advantage of our business lines of credit products that can be tied to your account to act as overdraft protection services
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 Account:
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.
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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||Online/Mobile Banking||Maxine Telephone 24/7 Access||Bill Pay|
|Regular Savings||.10 / .10||$5||$0||$0||N/A||N/A||N/A||Free||Free||Free||Account transfer limitations apply.2|
|Small Business Checking||.12 / .12||$20||$0||$5,000||$10||150||$.25 per item||Free||Free||Free||None|
|Non-Profit (Free Checking)||.12 / .12||$1||$0||$0||N/A||N/A||N/A||Free||Free||Free||None|
|Money Market||Subject to change weekly||$2,500||$2,500||$2,500||$10||N/A||N/A||Free||Free||Free||Account transfer limitations apply.2|
|Club||.10 / .10||$0||$0||$0||N/A||N/A||N/A||Free||Free||Free||Account transfer limitations apply.2|
|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|
|Courtesy Pay3||$32 each occurence|
|ACH Returned Item||$32 per presentment|
|Foreign Item Collection||$20 each|
As of May 1, 2019
1 APY = Annual Percentage Yield. Last Interest Declaration Date is April 15, 2019.
2 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.
3 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.