Business Checking Accounts
Tailored to your company's everyday checking needs
Manage money, pay bills, deposit checks and more with Business Online Banking
Request multiple Visa® Debit Cards for you and your team at no cost
Take advantage of unlimited check-writing and deposits
Includes Overdraft Protection options for check and debit card payments
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.
Get a checking account that gets down to business
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
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
Visa® Debit Card
yes
yes
Unlimited Check-Writing & Deposits
Unlimited Check-Writing & Deposits
yes
yes
Overdraft Protection Options
Overdraft Protection Options
yes
yes
Online Banking and 24/7 Support
Online Banking and 24/7 Support
yes
yes
Monthly Service Fee1
Monthly Service Fee1
$15 (waived with a minimum $2,000 average daily balance)
$25 (waived through Earnings Credit)
Minimum Opening Deposit
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.
- 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.
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.
1 $2 monthly paper statement fee.
2 Mobile carrier rates may apply.