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Checking accounts for your small business

  • Debit card with rewards points
  • No foreign transaction fees
  • Direct deposit

Open account

Here's what you'll need

Sole proprietorship

  • WA business license
  • SSN, ITIN or EIN
  • Valid photo ID

Limited Partnerships (LTD) or Limited Liability Partnerships (LLP)

  • WA business license
  • Partnership Agreement – must include names of the partners – if names are not included articles of formation would be required
  • Articles of formation (if names are not listed in partnership agreement)
  • Valid photo ID

Limited Liability Company (LLC)

  • WA business license – must include names of the members, if names are not listed on LLC agreement*
  • LLC agreement
  • All owners must be on the account unless stated otherwise in the LLC Agreement
  • Articles of Formation
  • Valid photo ID

* If individually owned or owned by a married couple, LLC agreement and Articles of Formation are not required.


Corporation or nonprofit

  • WA business license
  • Articles of Incorporation
  • Bylaws – needed if names are not listed in Articles of Incorporation, or the Articles reference bylaws
  • Certification of Formation
  • Meeting minutes listing who is responsible for the account are required if all owners named in the Articles or bylaws are not on the account.
  • Valid photo ID

Organization

  • Meeting minutes listing who is responsible for the account are required
  • Valid photo ID

Business checking

  • Debit card with rewards points
  • No foreign transaction fees
  • Direct deposit

Open account

Here's what you'll need

Included in business checking accounts

Visa rewards

Earn points every time you swipe your debit card.

Bill Pay

Set up digital payments in Online and Mobile Banking.

Unlimited transactions

Deposit or withdraw funds as needed without any transaction fees.

30,000+ ATMs

Access cash from our convenient network of fee-free ATMs.

Notary service

Make an appointment at your nearest branch for complimentary notary service.

NCUA insurance

Deposit up to $250,000 and your accounts are federally insured.

Which Business Checking account is best for you?

Are you just starting or is your business a side hustle? With zero fees or balance requirements, Small Business Checking is great for small or new businesses that are just getting off the ground.

Is your business established with a steady cash flow? Small Business Interest Checking may be an excellent choice. You’ll earn dividends when your account reaches a monthly average of $2,000, and service fees are waived for accounts that hold a monthly average of $10,000.

Open account

Here's what you'll need

Sole proprietorship

  • WA business license
  • SSN, ITIN or EIN
  • Valid photo ID

Limited Partnerships (LTD) or Limited Liability Partnerships (LLP)

  • WA business license
  • Partnership Agreement – must include names of the partners – if names are not included articles of formation would be required
  • Articles of formation (if names are not listed in partnership agreement)
  • Valid photo ID

Limited Liability Company (LLC)

  • WA business license – must include names of the members, if names are not listed on LLC agreement*
  • LLC agreement
  • All owners must be on the account unless stated otherwise in the LLC Agreement
  • Articles of Formation
  • Valid photo ID

* If individually owned or owned by a married couple, LLC agreement and Articles of Formation are not required.


Corporation or nonprofit

  • WA business license
  • Articles of Incorporation
  • Bylaws – needed if names are not listed in Articles of Incorporation, or the Articles reference bylaws
  • Certification of Formation
  • Meeting minutes listing who is responsible for the account are required if all owners named in the Articles or bylaws are not on the account.
  • Valid photo ID

Organization

  • Meeting minutes listing who is responsible for the account are required
  • Valid photo ID
Business Checking Accounts
Account type APY Dividend rate Balance requirement Monthly service fees
Business Checking N/A
APY
N/A
Dividend rate
$0
Balance requirement
N/A
Monthly service fees
Business Interest Checking 0.04%
APY
0.04%
Dividend rate
$2,000
Balance requirement
$6
Waived for accounts with average monthly balance above $10,000
Monthly service fees

Rates and terms listed are current as of January 1, 2026. Rates and terms are subject to change at WSECU's discretion. View Rate and Fee Schedule for complete details.

FAQ

Yes. Stop by your nearest branch or call us at 800.562.0999 and we'll assist you in opening your new account.

Business checking account holders can order checks by visiting your nearest branch or by calling 800.562.0999.

Earn one point for every three dollars in purchases when you swipe your WSECU Visa business debit card. To redeem your points, sign in to Online or Mobile Banking and select "Rewards" on the Account Summary page.

Due to legal restrictions, we cannot offer business accounts to money-service businesses, casinos or marijuana/cannabis businesses.

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Still have questions? Our Member Consultants can help.

Let's talk. Schedule an appointment at your nearest branch, and we'll help you find the best solutions for your business.

Schedule an appointment

Resources

Playbook for starting a business in Washington

Opening a Business Account?

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