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Business Checking Account Comparison

Business eChecking
No paper statements or dividends. Great for tech savvy members who desire minimum fees

Business Basic Checking
Minimum balance of $300, also pays dividends. Simple and effective

Business Checking
Higher volume and larger balances? Pays dividends and has a higher paper deposit item limit

Hi-Yield Business Checking
Higher min. balance and much higher yield. An HCU exclusive

Min. balance to waive fee





Fee below Min.





Per check fee

 $.10 over 20/mo.

$.10 over 35/mo.

$.10 over 40/mo.

$.10 over 40/mo.

APY earned


Full bal. daily over $1,000

Full bal. daily over $2,500

Pays money market rates

Free paper deposits per mo.





Paper deposit items

.15 ea. after 50

.15 ea. after 50 .15 ea. after 100 .15 ea. after 100

Standard features of business checking accounts:

  • Images of your canceled checks stored for you
  • Flexible daily sweeps available
  • Five free bill payments per month
  • First box of checks free ($25 value, new acct.)
  • Free counter checks with account opening
  • Free VISA Debit Card
  • Free online canceled check copies
  • Real overdraft protection available

Plus, all HCU members receive the following benefits:

  • $300 instant credit for deposits at HCU ATMs
  • Co-op Network surcharge free ATM transactions
  • Free 24 hour telephone teller
  • Free online banking
  • Real-time account balances and transactions
  • Free notary service
  • Free online related account linking
  • Free unlimited transactions at HCU owned ATMs
  • Personalized account naming

Non-profit group discount
For approved non-profit groups, the fee for going over the limit of paper deposit items received in a month is just $.05 per item. This is applicable to every HCU business checking account