Business Checking
Accounts

Let's grow together

American United offers two types of business checking accounts, Basic and Premier.

Open a Business Account

Basic Checking Account

Premier Checking Account

Online & Mobile Banking

Visa ® Rewards debit card

Overdraft Protection Coverages

Business Basic Checking

Ideal for starting your small business

Account features for Basic Checking Only

Monthly account fee of $5 is waived with E-Statements
No charge for first 250 transactions per month
Earn monthly dividends on balances $500+

Account features for Basic & Premier Checking

$0 minimum balance to open account
VISA® Rewards Debit Card
Online & Mobile Banking
Cash & Coin Handling
Free account access at CO-OP Shared Branches & ATMs
End-of-Year Member Dividend Rewards
Overdraft Protection Coverages are available
Domestic & International wire service
Utah-based Contact Center for phone support
Federally insured by the NCUA

Open a Business Account

Business Premier Checking

Ideal for small to large businesses

Account features for Premier Checking Only

Higher monthly dividend rate than Business Basic Checking
Additional Online & Mobile Banking services
One-time account set-up fee of $25
Monthly account fee of $20 is waived with balance of $10,000+
Fee of $0.05 per transaction
Merchant Services for payment processing (optional)
Business Remote Check Capture (optional)
Earn monthly dividends on balances $500+
Rates up to 0.200% APY

Account features for Premier & Basic Checking

$0 minimum balance to open account
VISA® Rewards Debit Card
Online & Mobile Banking
Cash & Coin Handling
Free account access at CO-OP Shared Branches & ATMs
End-of-Year Member Dividend Rewards
Overdraft Protection Coverages are available
Domestic & International wire service
Utah-based Contact Center for phone support
Federally insured by the NCUA

Open a Business Account

Online & Mobile Banking

Banking wherever, whenever

Online and mobile banking offers a comprehensive suite of services including a mobile app, E-Statements, automatic bill pay, Money Desktop tools, mobile deposit, Zelle® payments, and the ability to order checks.

Mobile App
E-Statements
Automatic Bill Pay
Money Desktop Tools
Mobile Deposit
Zelle® Payments
Order Checks

Online & Mobile Banking

VISA ® Rewards Debit Card

Earn 1 point for every $4 spent

The VISA® Reward Points Program offers benefits such as Smart Cents Roundup Savings, customizable debit card designs, in-branch instant card issuance, the CardNav® Manager App, and unlimited debit card transactions.

VISA® Reward Points Program
Smart Cents Roundup Savings
Debit Card Design Options
Instant Issue Cards Printed In-Branch
CardNav® Manager App
Unlimited Debit Card Transactions

VISA® REWARDS DEBIT CARD

Overdraft Protection Coverages

3 optional coverages to choose from

Overdraft coverage includes options such as an Overdraft Line of Credit, Courtesy Pay, and Overdraft from Savings.

Overdraft Line of Credit
Courtesy Pay
Overdraft from Savings

Overdraft Coverages

No matter how far along you are in pursuit of owning your own business, American United will give you their best effort, products, and services to help you be successful. I was surprised by how patient they were with me. They took the time to get to know my business and I couldn't be any happier. I know they work with some large businesses, so I appreciated how they treated me as if I was on the same level.

American United FCU Member

Open a Business Account

Checking Account Rates

Rates up to date as of July 28, 2026. Rates subject to change without notice.

Account Type	Dividend Rate	APY	Minimum Balance	Balance to Earn Monthly Dividends
Primary Checking	0.050%	0.050% APY	$0	$500+
GoldStar® Checking¹	0.100%	0.100% APY	$0	$500+
Business Basic Checking	0.050%	0.050% APY	$0	$500+
Business Premier Checking	0.200%	0.200% APY	$0	$500+
ATM Checking²	—	—	$0	—
Fresh Start Checking²	—	—	$100	—
Empowered Checking³	—	—	$ 0	—

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.

For more information visit Terms & Conditions, Current Rates, and Fee Details.

Ready to take the next step with a Business Loan?

American United Federal Credit Union offers a range of business loan options to support various needs. These include loans for commercial real estate, business equipment, vehicles, and lines of credit. Additionally, we provide Small Business Administration (SBA) loans designed to offer favorable terms and flexible financing solutions to help small businesses grow and succeed.

Business Loans