Business Checking Accounts
Find the right business checking account, right here
Keeping your business’ finances on track is simple with one of our two checking accounts tailored to your needs.
Before you open one of these checking accounts, see what documents you'll need.
KeyPoint Credit Union Business Banking provides checking, savings, and financial tools designed to support businesses at every stage. Serving businesses in the San Francisco Bay Area, Santa Barbara County and beyond.
Available in branch only with promo code BUS26. Qualifying activities are required.
Choose the checking account that fits your business
Elite Business Checking
Analyzed Business Checking
Elite Business Checking
- Open with a $100 minimum deposit
- Maintain a minimum $2,000 average daily balance to avoid a $15 monthly fee1
- Manage your business funds with Business Online and Mobile Banking2, a free service of KeyPoint Credit Union
- Originate ACH and Wire Transfers online for an additional fee
- Write an unlimited number of checks without a fee
- Rely on 24/7 Member Service when you need assistance
Analyzed Business Checking
- Open with a $100 minimum deposit
- Earnings credits reduce or offset the $25 monthly fee1
- Manage your business funds with Business Online and Mobile Banking2, a free service of KeyPoint Credit Union
- Originate ACH and Wire Transfers online for an additional fee
- Write an unlimited number of checks without a fee
- Rely on 24/7 Member Service when you need assistance
Frequently Asked Questions
We offer business loans! Applying is simple, and we’ll help you every step of the way.
- Small Business Administration (SBA) Loans: KeyPoint offers the 7(a) Loan Program (KeyPoint is an SBA Preferred Lender!)
- 7(a) Loan Program: This flexible program is used to finance everything from machinery and equipment, to land and buildings (including purchase, renovation and new construction).
- Commercial & Investment Real Estate Loans starting at $350K: Offered on various types of investment real estate, including single tenant, multi-units, strip malls, land, residential investment and more.
KeyPoint Membership required.
*Offer available in-branch only and may be cancelled at any time. BUS26 promo code must be applied at the time of account opening. KeyPoint Business Membership required. To qualify for the bonus, Business Member must (a) open Elite Business Checking account with $100 required opening deposit, (b) have a minimum balance at or above $2,000 in Elite Checking account within 15 calendar days of account opening, (c) maintain minimum average daily balance of $2,000 for 90 days following the deadline for reaching the $2,000 minimum balance, and (d) complete minimum of 20 qualified transactions ($5 minimum per transaction) within 90 days starting the same day to which minimum average daily balance requirement applies. Qualified transactions include debit card purchases, ACH debit/credits, wire debit/credits, Zelle®, debit/credits, and RDC deposits. ATM transactions, in-branch cash withdrawals and transactions reversed for merchandise returns or other reasons do not count towards the requirement. If minimum average daily balance and qualified activity requirements are met, a $500 bonus will be applied within 30 calendar days of meeting requirements and credited to Business Elite Checking. KeyPoint reserves the right to not pay the bonus if we determine transactions have been manipulated to qualify. Offer good for new Business Members only, former Business Members who have closed an account within 24 months of new account opening date are not eligible for bonus. Business account must be opened using a valid Employer Identification Number (EIN). Accounts opened using Social Security Number (SSN) or other personal taxpayer identification numbers do not qualify. KeyPoint employees, volunteer officials, or their immediate family members are not eligible. May not be combined with any other promotion or offer. Other restrictions may apply. Taxed bonuses, if any, are the recipient's responsibility. KeyPoint complies with federal and state tax reporting laws.
1 $2 monthly paper statement fee.
2 Mobile carrier rates may apply.