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.

Earn up to $500 with a new Business Elite Checking account.*
Available in branch only with promo code BUS26. Qualifying activities are required.

Choose the checking account that fits your business

Select up to twofour accounts

Elite Business Checking

For new or small businesses with basic banking needs

Analyzed Business Checking

For larger businesses with complex banking needs
Features
100 free transactions per month ($0.45 fee for each additional transaction)
Offers credits on qualifying balances to reduce or offset fees
Visa® Debit Card
yes
yes
Unlimited Check-Writing & Deposits
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yes
Overdraft Protection Options
yes
yes
Online Banking and 24/7 Support
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yes
Monthly Service Fee1
$15 (waived with a minimum $2,000 average daily balance)
$25 (waived through Earnings Credit)
Minimum Opening Deposit
$100
$100

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.

Send an Online Request

Resources to help you get down to business
Business Online Banking
Tools to make managing your money easier
Fraud Prevention
Find out how to avoid common scams
Financial Calculators
Run the numbers on spending and saving
News
Check out the latest financial news

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.