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Business Checking

Fuel Success

Improve your bottom line.

Open an account

Give your business an edge.

Simplify your cash management with our Business Essential and Advantage checking accounts.

Open an account for your L.A. County business.

Enjoy all the benefits of your business membership, including convenient banking services.

Business Essential Checking

Designed for smaller businesses with a limited amount of transactions per month.

Seamless Integration with Quicken^{^®} and Quickbooks^{^®}
Minimum Opening Deposit of $100
150 Transactions Allowed Per Month: Deposits, Deposited Items, and Drafts (Checks)
50 ACH Transactions Allowed Per Month (Credits and Debits)
$7,500 Monthly Allowance for Cash Deposits
Monthly Service Charge of $16 is Waived with a Minimum Average Daily Balance of $1,000

Business Advantage Checking

Designed for a business with a higher amount of transactions per month.

Seamless integration with Quicken^{^®} and Quickbooks^{^®}
Minimum Opening Deposit of $500
300 Transactions Allowed Per Month: Deposited Items, and Drafts (Checks)
100 ACH Transactions Allowed Per Month (Credits and Debits)
$10,000 Monthly Allowance for Cash Deposits
Monthly Service Charge of $22 is waived with a Minimum Average Daily Balance of $5,000

Get today’s best rate.

Business Checking
Account Type	Minimum Opening Balance	Minimum to Earn APY	APY*
*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period.
Account Type Business Essentials Checking	Minimum Opening Balance $100.00	Minimum to Earn APY n/a	APY* n/a
Account Type Business Advantage Checking	Minimum Opening Balance $500.00	Minimum to Earn APY n/a	APY* n/a

Business Term Savings Certificates
Term	$1,000 Minimum	$25,000 Minimum	$100,000 Minimum
* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period. ** APY=Annual Percentage Yield. Rate and term valid as of September 3, 2024, for a 7-month Term Savings Certificate only. New 7-month Term Savings Certificate minimum balance required of $2,500 or more to earn 4.50% APY. The maximum total deposit amount for a 7-month Term Savings Certificate is $5,000,000.00 per member. New and existing funds qualify for this offer. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional 7-month term, funds will roll over to a standard non-promotional 6-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal.
Term 6 Months	$1,000 Minimum 2.05% APY*	$25,000 Minimum 2.20% APY*	$100,000 Minimum 2.35% APY*
Term Special 7 Month Promo	$1,000 Minimum n/a	$25,000 Minimum 4.50% APY ($2,500 minimum, new and existing funds)**	$100,000 Minimum 4.50% APY ($2,500 minimum, new and existing funds)**
Term 1 Year	$1,000 Minimum 2.35% APY*	$25,000 Minimum 2.50%*	$100,000 Minimum 2.65% APY*
Term 2 Years	$1,000 Minimum 2.60% APY*	$25,000 Minimum 2.75% APY*	$100,000 Minimum 2.90% APY*
Term 3 Years	$1,000 Minimum 2.85% APY*	$25,000 Minimum 3.00% APY*	$100,000 Minimum 3.15% APY*
Term 4 Years	$1,000 Minimum 3.10% APY*	$25,000 Minimum 3.25% APY*	$100,000 Minimum 3.40% APY*
Term 5 Years	$1,000 Minimum 3.35% APY*	$25,000 Minimum 3.50% APY*	$100,000 Minimum 3.65% APY*

Still not convinced?

Here are just some of the other perks of our Business Checking.

Business Checking eStatements are the convenient and secure way to give you better access to your information – and best of all, they’re FREE! With eStatements, you’ll have:

The ability to view your statement the same day it’s ready
An email notice informing you that your statement is available for viewing
Access to statements for the last 10 years
Direct access to your 1099 and 1098 Tax Forms

To receive eStatements for your Business Checking Account:

Log in to Digital Banking
Click the eDocs widget
Select and save your Subscription settings

Paying for business expenses with our debit card is not only secure but also empowering. You’ll have full visibility into your business costs, allowing you to make informed decisions without worrying about overspending.

Plus, the EMV^® chip in our debit cards generates a unique code each time you use your card, further protecting your data from theft and fraudulent use while giving you complete control over every penny spent.

Use your debit card worldwide, wherever Visa is accepted. And access cash at nearly 30,000 surcharge-free co-op ATMs across the nation. It’s the perfect tool to support your business growth with ease and peace of mind.

Experience the convenience of our online and mobile banking tailored for your fast-paced business life. No more having to visit a branch! Whether you’re paying a contractor bill in line at the grocery store, checking your savings account before upgrading your storefront, applying for a loan for a second franchise location, or effortlessly depositing client checks from your smartphone – we’ve got you covered!

Download our iOS app from the App Store or download our Android^™ app from Google Play today.

Introducing our Overdraft Protection Program – a cost-effective and convenient solution for unexpected events. Avoid high fees from major banks, and enjoy peace of mind for just $25.

Call 888.800.3328 for details. Simplify your finances today!

By opting for carbonless checks, you gain the convenience of generating a duplicate for every check you issue, ensuring a record of all your transactions. We retain the original checks and provide you with the ability to easily view and print your canceled checks online through our secure digital banking, promoting seamless financial management.

Open a Business Checking Account today.

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Disclosures

: Terms and conditions apply. For completes, please refer to the Business Account Agreement & Disclosure (BAAD) or contact our Business Banking Team at BusinessBanking@firstent.org.