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Business Deposit Accounts

For Small Business & Commercial Accounts

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

Non-Profit Account:

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.

Get started today

For more information about our Business Financial Services, contact a Commercial Relationship Manager at 800-839-1154 ext. 4618, 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 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
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
Wire Transfers (Domestic) $15 (Online)
$20 (in branch or by phone)
Wire Transfers (Foreign) $45
Merchant Services Negotiated
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.

Online Banking

All of our checking accounts come with access to online banking, both on your desktop and smartphone. Access your accounts anytime, anywhere.

Learn More