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Business Checking

At Accentra we believe your business deserves a partner that works to provide simple, hassle-free financial services. We offer a full range of easy to understand product and service options that will meet the needs of businesses of any size.

All of your business deposit accounts, including checking, receive interest. We keep our service fee structure simple and you receive same day credit on deposited funds – meaning no more midday cut-off times or uncollected funds balances to reconcile. We want to make sure you’re focused on running your business, not balancing your check book. A $50 deposit is needed to open an Accentra checking account.

Free Business Services

In addition to receiving interest on your deposit accounts, you have access to a number of products and services at no cost. These benefits are just the beginning of the enhanced level of service you’ll receive as an Accentra member.

24/7 Account Access with Online Banking
Online Bill Pay
E-Statements
Medallion Signature Guarantee
Notary Public Service
Night Drop
VISA Debit/Check Card
VISA Credit Card
ATM Card
NCUA Deposit Insurance

Additional service charges may apply depending on activity. Charges are subject to change.

Opening an Account

To open a new business account, you will need to provide the following:

Articles of Incorporation or Organization, Partnership Agreement, or DBA filing.
Employer Identification Number (EIN) or Federal Tax Identification Number (TIN) registered to business.
Legal documentation that shows when the company was formed, filing with Minnesota Secretary of State.
Personal identification and social security numbers of all authorized signers.

Additional Services

Understanding that your business needs a full service business partner, we offer a variety of financial related services. Some of these services include:

Merchant Processing
ACH Origination
Overdraft Protection
Corporate Credit Cards
401k Plan Administration*
SEP Plans*
Key Person Life Insurance*

Pricing for these services varies based on a number of factors. If you are interested in learning more, contact a Credit Union representative. *Services offered through our 3rd party business partner.

Business Checking and Money Market Savings Interest Rates

Dividend Rate APY Interest Compounded Balance

0.05% 0.05% Monthly $ 0 - $ 9,999

0.10% 0.10% Monthly $ 10,000 - $24,999

0.15% 0.15% Monthly $ 25,000 - $49,999

0.20% 0.20% Monthly $ 50,000 - $99,999

0.35% 0.35% Monthly $100,000 - $249,999

0.50% 0.50% Monthly $250,000 – Greater