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A charming local storefront with large windows and a bicycle parked on the sidewalk out front, symbolizing small business and community life.

Small Business Checking

Whether you craft handmade goods, run a café, offer expert services, or sell online — you’re building something meaningful. At Westerra Credit Union, we believe if you can build a business, you can do money. Open your business checking account online today with the best bank for small business and grow with confidence.

Compare options

Look below, and check out our business checking calculator.

Account features

Business value checking

Business preferred checking

Business high balance checking

Average Daily Balance

No minimum

$5,000

$50,000

Monthly fee

$0

$10 (if your monthly average end-of-day balance is less than $5,000)

$30 (if your monthly average end-of-day balance is less than $50,000)

Transactions

100 free/month ($0.30 per item after that)

250 free/month ($0.35 per item after that)

400 free/month ($0.20 per item after that)

Cash processing

$5,000 free/month (after that limit, there’s a 0.10% fee)

$10,000 free/month (after that limit, there’s a 0.10% fee)

$25,000 free/month (after that limit, there’s a 0.10% fee)

ATMs in the CO-OP network

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

ATMs outside of the CO-OP network

Free (The ATM owner may charge other fees)

Free (The ATM owner may charge other fees)

Free (The ATM owner may charge other fees)

Interest

None

Based on your balance

Based on your balance

Business lunch meeting representing small business spending and debit card rewards with a Westerra Credit Union business checking account.

Earn Rewards with Your Business Checking Debit Card

Turn everyday business purchases into something more. With a small business checking account from Westerra Credit Union, you can earn points on your debit card spending — then redeem them for cash back, travel, gift cards, fuel, and more. Go ahead, let that client lunch pay for the next one.

A woman smiling as she receives ice cream from a vendor, holding out her Westerra Business Rewards credit card to pay — representing small business support.

Looking for business credit cards?

Local businesses can get credit cards with rewards, competitive rates, and no balance transfer fees

Frequently Asked Business Checking Questions

*The dividend rate and APY are subject to change without notice. Dividends are computed using the average daily balance method and are paid monthly. $5,000 average daily balance for Business Preferred Checking to avoid maintenance fee. $50,000 average daily balance for Business High Balance Checking to avoid maintenance fee. Any fees may reduce earnings. View the Westerra Business Banking Fee Schedule.

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