Business Savings Rate and Fee Schedule
Rates Effective Date: September 15, 2026
This guide summarizes current rates, balance requirements and common fees for WSECU business deposit accounts. For the most current rates, call 800.562.0999.
| Account Type | Balance Requirement | APY | Dividend Rate |
|---|---|---|---|
| Business Savings | $1 minimum deposit | 0.10% | 0.10% |
| Business Interest Checking | $0 - $25,000 | 0.50% | 0.50% |
| Business Interest Checking | Over $25,000 | 0.10% | 0.10% |
| Business Essentials Money Market* | $0-$4,999.99 | 0.10% | 0.10% |
| Business Essentials Money Market* | $5,000-$9,999.99 | 0.74% | 0.74% |
| Business Essentials Money Market* | $10,000-$24,999.99 | 0.79% | 0.79% |
| Business Essentials Money Market* | $25,000-$49,999.99 | 0.89% | 0.89% |
| Business Essentials Money Market* | $50,000-$99,999.99 | 0.94% | 0.94% |
| Business Essentials Money Market* | $100,000+ | 1.25% | 1.24% |
| Business Growth Money Market* | $0-$4,999.99 | 0.65% | 0.65% |
| Business Growth Money Market* | $5,000-$14,999.99 | 0.85% | 0.85% |
| Business Growth Money Market* | $15,000-$29,999.99 | 0.90% | 0.90% |
| Business Growth Money Market* | $30,000-$59,999.99 | 0.95% | 0.95% |
| Business Growth Money Market* | $60,000-$99,999.99 | 1.10% | 1.09% |
| Business Growth Money Market* | $100,000-$124,999.99 | 1.10% | 1.09% |
| Business Growth Money Market* | $125,000+ | 1.30% | 1.29% |
| Business High-Yield Money Market* | $0-$24,999.99 | 0.10% | 0.10% |
| Business High-Yield Money Market* | $25,000-$49,999.99 | 1.05% | 1.04% |
| Business High-Yield Money Market* | $50,000-$99,999.99 | 1.10% | 1.09% |
| Business High-Yield Money Market* | $100,000-$149,999.99 | 1.20% | 1.19% |
| Business High-Yield Money Market* | $150,000-$249,999.99 | 1.30% | 1.29% |
| Business High-Yield Money Market* | $250,000+ | 1.40% | 1.39% |
Business Essentials Checking Account Fees
- Monthly fee: $0
- Fee waiver balance: N/A
- Included transactions: 100/month
- Excess transactions: $0.20 each
- Included cash activity: $1,000/month
- Excess cash activity: $0.20 per $100
- Earns interest: No
Business Growth Checking Account Fees
- Monthly fee: $15
- Fee waiver balance: $2,500
- Included transactions: 200/month
- Excess transactions: $0.20 each
- Included cash activity: $5,000/month
- Excess cash activity: $0.20 per $100
- Earns interest: No
Business Interest Checking Account Fees
- Monthly fee: $25
- Fee waiver balance: $5,000
- Included transactions: 300/month
- Excess transactions: $0.20 each
- Included cash activity: $10,000/month
- Excess cash activity: $0.20 per $100
- Earns interest: Yes
Business Impact Checking Account Fees
- Monthly fee: $5
- Fee waiver balance: $1,000
- Included transactions: 150/month
- Excess transactions: $0.20 each
- Included cash activity: $2,000/month
- Excess cash activity: $0.20 per $100
- Earns interest: No
Common Service Fees
- Courtesy Pay: $27 per item
- Overdraft Transfer from Savings: $2 per transfer
- Check Stop Payment: $25
- ACH Stop Payment — Single Item: $25
- ACH Stop Payment — Recurring/Ongoing Block: $25
- Cashier's Check Stop Payment: $10
- Incoming Wire: $15
- Outgoing Wire: $25
- Legal Processing/Garnishment: $75
- Research: $25/hour
- Escheatment: $50
- ATM Adjustment: $25
- Shared Branch Deposit Copy: $6
- Debit Card Receipt Copy: $6
- Non-Member Cashier's Check: $6
- Rolled/Machine Coin over $100: 5% of transaction amount
- Paper Statements & Communications: $3 statement cycle
- Early Account Closure: $20
Treasury Management Services Fees
- ACH Origination Module: $30/month
- ACH Origination Items: $0.15 each
- Online Wires Module: $30/month
- Online Wires: $15 each
- Remote Deposit Capture Module: $30/month
- Remote Deposit Capture Deposits: $1 each
Important Information
- Rates and APYs are variable and may change at any time.
- Dividends and interest are compounded and credited monthly.
- Fees may reduce earnings. APY is based on a $1,000 assumed deposit.
- Dividends and interest are calculated using the Average Daily Balance method.
- Business Growth, Business Interest, and Business Impact Checking monthly fees may be waived when aggregate average daily balance requirements are met. The Aggregate Average Daily Balance is the sum of the average daily balances across all your shares/accounts under the same member number during the month.
- Courtesy Pay is limited to five fees per day. No Courtesy Pay fee is charged if the account is less than $10 negative after the transaction posts.
- Paper communication fees apply to accounts receiving paper notices and statements. Monthly statement cycles are charged monthly; quarterly statement cycles are charged quarterly. Most accounts have monthly cycles.
- Early Account Closure fees apply to accounts closed within the first 90 days.
- Beginning on the first of the month, disclosed monthly and transaction fees are assessed against the primary Checking Account. If available funds in the primary Checking Account are insufficient to cover the fees assessed, Overdraft Protection or Courtesy Pay will not be triggered, and the account balance will be taken negative (overdrawn). No fees will be assessed for overdrawing the account for the assessment of monthly fees. See the disclosures above to understand how to avoid the assessment of fees against your shares/accounts.
- The Escheatment Fee is $50, or the full account balance if less than $50, and is charged when funds are scheduled to be escheated under Unclaimed Property Reporting rules.
- The National Credit Union Administration (NCUA) insures eligible savings, checking and certificate accounts with WSECU up to applicable limits.
This schedule is part of the Business Account Agreement and summarizes current conditions, rates, fees, and charges applicable to WSECU business share/deposit accounts. WSECU may offer other rates or amend rates and fees from time to time.