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Savings and Checking


This account begins your business relationship with us and is ideal for setting money aside for quick access to cash when you need it.

  • No monthly service charge1
  • Minimum $5 balance required
  • Up to 10 free deposits per month

Business Checking
A checking account is the core of your business’s financial management system. We offer two types of checking accounts to meet your needs.

Business Checking

  • No monthly service charge1
  • No minimum balance requirement
  • Up to 15 free deposits per month
  • Up to 25 free cleared checks per month
  • Free Business Rewards Visa® debit card

Business Interest Checking

  • No monthly service charge1, 2.
  • Minimum $2,000 average daily balance required to earn dividends
  • Up to 25 free deposits per month
  • Up to 75 free processed checks per month
  • Free Business Rewards Visa® debit card

Fees for additional deposits and check processing on both checking accounts are waived with aggregate daily account balances of $50,000 or more. Please refer to our Business Rates and Fees schedule for details.

Overdraft Protection
Protect yourself from costly fees on returned checks. Options include automatic transfers from your business savings account or Business Rewards Visa® credit card. Certain fees may apply3.

Overdraft Privilege: Keep your good credit intact4

  • Available for both business checking accounts.
  • Automatically covers checks, in-person withdrawals, returned deposit items, electronic withdrawals and recurring debit card transactions.
  • Optional coverage for ATM and everyday debit card transactions.
  • Fees apply4.

1No monthly maintenance fees.
2There is a $10 monthly fee if the average daily balance falls below the $2,000 minimum required.
3Refer to the current Business Rate and Fee Schedule. Finance charges from business rewards Visa ODP advances accrue interest from the date of the transaction at the cash advance rate.
4Checking accounts must be in good standing for at least 90 days. ATM and everyday debit transactions require affirmative opt in prior to coverage of these transactions through ODP. Payment of any overdraft will continue at the discretion of the credit union. ODP will be revoked if accounts are not brought current at least once every 35 days. Your account will be assessed the credit union’s usual non-sufficient funds fee for each item paid. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from your available overdraft privilege limit. Transactions are processed against your account in the order they are received, which may not be the order in which they occurred. The order in which transactions are received and processed can affect the total amount of overdraft fees that you incur. There is no limit on the total fees WSECU can charge for overdrawing your account up to your established Overdraft Privilege limit. All Business checking accounts have a $500 limit. Certain accounts are not eligible for ODP.

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© 2014 Washington State Employees Credit Union (WSECU)