Credit Union Business Checking Account | RBFCU
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Get
Business Checking
Checking accounts to fit the needs of your business
Whatever stage your business is in — whether you’re a start-up, a company in growth mode or a well-established organization — RBFCU has three business checking accounts designed to provide greater value and choices.
Business checking account options:
Basic Business Checking
• No monthly maintenance fee
• 50 free monthly items* (additional items 25¢ each)
Ideal for:
Businesses that have low monthly item volumes requiring a simple account
Preferred Business Checking
• $5 monthly maintenance fee
• 250 free monthly items* (additional items 25¢ each)
Ideal for:
Mid-size businesses with moderate monthly item activity
Elite Business Checking
• $15 monthly maintenance fee
• Unlimited items* with no additional fees
Ideal for:
High-volume, established or growing businesses
Organizational Checking
• No monthly maintenance fee
• Unlimited items* with no additional fees
Ideal for:
Unincorporated associations or clubs, such as schools, churches, youth sports and similar organizations
*An “Item” is defined as any debit or credit to your business account, except for RBFCU fees.
Make your business checking free
Monthly account maintenance fees will be waived if you meet any of the following criteria:
$50,000+ business loan balance
ACH origination agreement with RBFCU
Merchant or payroll processing through RBFCU’s provider
Active remote deposit check scanner
All business checking accounts also include these benefits and features:
$1 minimum balance to open and earn stated Annual Percentage Yield (APY)
Access to convenient mobile and online services, such as the
RBFCU Mobile
app
RBFCU Bill Pay
, Paperless Preference to receive statements and account documents electronically, and
RBFCU Mobile Deposit
Free business debit card with 24/7 fraud monitoring and zero liability for unauthorized purchases
Access to a full suite of business products and services with low to no-cost
Affordable wire services with $0 fee for incoming wires
Get valuable rebates when you use your RBFCU Mastercard
Freedom Business Debit Card with Mastercard Easy Savings
Take advantage of automatic rebates at more than
50,000 merchants
when you use the
RBFCU Mastercard Freedom Business Debit Card
. There’s no enrollment fee, no coupons and no codes.
Transactions must be processed as a credit to qualify.*
Your savings will be applied to your RBFCU business account each month —
automatically
Click here for frequently asked questions
about Mastercard Easy Savings.
*Purchases must be processed as a credit transaction. Sign or select “credit” when using your Freedom Business Debit Card. If prompted for PIN, select cancel and sign.
Use your RBFCU Freedom Business Debit Card to qualify for these rebates:
Drive and save
Save 1% on fuel at over
19,000 gas stations
Dine and save
Save 4% at over
20,000 top dining destinations.
Stay and save
Save 4% at over
5,000 hotels.
Manage and save
Save 2%-20% on a
range of business services.
Travel and save
Save 5% on car
rentals.
Buy and save
Save on everyday purchases at more than
50,000 participating merchants
nationwide.
Exclusive Mastercard offers for RBFCU Freedom Business Debit cardholders
Intuit TurboTax
Take advantage of business tax experts who can prepare and file for your business and save up to 20% off.
*Exclusive offers available upon Freedom Business Debit Card activation.
Business Calculators
Should I own or lease my business location?
What is my business worth today?
How long will it take to repay my business loan?
Which business loan term should I choose?
Checking FAQs
How do I open a business account?
To open a business account online:
Click here to initiate your business account request
or call
210-967-2436
for assistance starting an online application.
To open a business account in person:
Click here for an appointment
at any
branch
or call
210-637-3000
for assistance scheduling an in-person appointment.
Can I open a business account online?
Yes.
Click here to initiate your business account request
. If you need assistance or have questions about the process, please call our Online Support team at
210-967-2436
I have a business loan with RBFCU. Do I qualify for a discount on my business checking?
Monthly account maintenance fees will be waived for businesses that have a business loan balance over $50,000, or have one or more of the following products:
ACH
origination agreement with RBFCU
Merchant
or
payroll processing
through
RBFCU’s provider
Active
check deposit scanner
service
How do I choose my business checking account type?
Members may choose the type of account based on estimated transactions per month. To request a specific business checking account type, you may initiate the process by contacting our Remote Member Assistance Team at
210-967-2436
or starting a chat in
your Online Banking account
What qualifies as an item for a monthly transaction on my business checking account?
An “Item” is defined as any debit or credit to your business account, except for RBFCU fees.
How do I update or add additional accounts to an existing business account?
You may
make an appointment
at any
branch
or call
210-637-3000
Merchant Processing
Business Loans
Commercial Insurance
Really Free Checking
Zero Liability applies to transactions that have been promptly reported and determined by RBFCU as unauthorized, subject to terms and conditions in accordance with
RBFCU’s Electronic Funds Transfer Agreement at rbfcu.org/eft
Program subject to change without notice. Restrictions apply. Rebates currently available for qualifying eligible purchases made with an RBFCU Freedom Business Debit Card. Participating merchants and rebate offers subject to change. You'll receive Mastercard
Easy Savings
Program rebates on top of merchant discounts.
Click here for Mastercard Easy Savings terms and conditions
To open a business account, RBFCU personal accounts of all principal owners must be in good standing. Programs and fees subject to change. Certain information regarding the nature and transaction types of your business will be gathered at the time of
account opening. Check cashing is not available on business accounts, however, you may deposit and withdraw the funds. We do not offer Money Service Businesses (MSB) accounts. The Department of the Treasury and FinCEN defines a Money Services Business
(MSB) as a business that conducts more than $1,000 in business with one person in one or more transactions on the same day in one or more of the following services: Money Orders, Traveler’s Checks, Money Transmission, Check Cashing, Currency
Exchange, Currency Dealing and Stored Value. For complete details, call Remote Member Assistance at
210-967-2436
1. Intuit TurboTax
Visit
for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit
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