Business Accounts

Checking and Savings accounts that trim overhead with low fees, competitive dividends, and modern digital banking tools. 

Everwise Credit Union Business Checking & Savings

Count on these accounts to get the job done.

We offer flexible business checking solutions tailored to your business size and goals.

Talk to a Business Specialist

Small Business Checking

$0
monthly fee

Best for: Startups & small businesses

  • Opening deposit: $100
  • Monthly fee: None

Benefits: 

  • No-monthly-fee or minimum balance
  • Business Debit Mastercard® that earns cash back*
Contact the Business Team

Business Checking

$10,000+
earn dividends

Best for: Growing businesses

Opening deposit: $100
Monthly fee: $20. Can be waived with $10,000 average balance.

Benefits:

  • A Business Debit Mastercard® that earns .50% cash back1
  • Tiered rate structure means that bigger checking balances pay higher dividends
  • No charge for first 125 deposited and first 250 cleared items per month
Contact the Business Team

Commercial Plus

$100,000+
earn dividends

Best for: Established businesses

  • Opening deposit: $100,000
  • Monthly fee: $20. Can be waived with $100,000 average balance.

Benefits:

  • A Business Debit Mastercard® that earns cash back1
  • Multi-tiered dividend rate structure
  • Elevated transaction limit includes the first 250 deposited items and 500 cleared items per month
Contact the Business Team

Money Market

3.56%
APY*

Best for: Larger reserves

  • Opening deposit: $50,000
  • Monthly fee: $20. Can be waived with $50,000 average balance.

Benefits:

  • Earn up to 3.56% APY* 
  • Daily compounded dividends help you grow your balance faster
  • No deposit limits – save as much as you want
  • Unlimited transfers between Everwise accounts3
Contact the Business Team

Compare our business deposit accounts in more detail.

Everwise business deposit accounts

Small Business CheckingBusiness CheckingCommercial Plus CheckingBusiness Money Market
Dividend Tiers (Balances)N/A
  • < $10,000
  • $10,000-$49,999.99
  • > $50,000
  • < $100,000
  • $100,000-$249,999.99
  • $250,000-$499,999.99
  • $500,000-$999,999.99
  • > $1,000,000
  • < $50,000
  • $50,000-$100,000
  • $100,000-$249,999.99
  • $250,000-$499,999.99
  • $500,000+
Online BankingYesYesYesYes
Business Debit CardYesYesYesN/A
Business Debit Card Rebate1YesYesYesN/A
Business Bill Pay

$10 per month after the first 3 months.

  • 1-20 items free
  • 21 or more items $1 per item

$10 per month after the first 3 months

  • 1-20 items free
  • 21 or more items $1 per item

$10 per month after the first 3 months

  • 1-20 items free
  • 21 or more items $1 per item
N/A
Electronic ACH Origination

$24.95/mo

  • First 25 items included
  • 15 cents for each item over 25

$24.95/mo

  • First 25 items included
  • 15 cents for each item over 25

$24.95/mo

  • First 25 items included
  • 15 cents for each item over 25
Limit of 5 third-party ACH withdrawals per month
Monthly Fee$0 for all balances

$0 for balances > $10,000

$20 for balances < $10,000

$0 for balances > $100,000

$20 for balances < $100,000

$0 for balances > $50,000

$20 for balances < $50,000

Deposited Items

First 50 included

25 cents for each item deposited over 50

First 125 included

25 cents for each item deposited over 125

First 250 included

25 cents for each item deposited over 250		N/A
Cleared Items

First 50 included

25 cents for each item cleared over 50

First 250 included

25 cents for each item cleared over 250

First 500 included

25 cents for each item cleared over 500		N/A
Minimum Opening Balance$100$100$100,000$50,000
Mobile eDeposit (mobile RDC)YesYesYesN/A
Remote Deposit Capture (RDC)2$50/mo$50/mo$50/moN/A
Positive Pay$39.95 per month with $15 per exception$39.95 per month with $15 per exception$39.95 per month with $15 per exceptionN/A

Deposit accounts built to grow your business.

Simple, effective financial tools designed to empower your business journey.

Account access

Manage money, pay bills and track activity with online banking.

More cash

Earn more with a Business Debit Mastercard® and Business Money Market.

Extra services

Tap into Positive Pay, ACH services, Remote Deposit Capture and more (fees apply).

Ready to grow your business?

Whatever your business goals, we have a checking solution that fits. Connect with a local Business Specialist today to get started.

Connect with us

FAQs

See all business FAQs

How do I get help choosing the right business products?

You can schedule time with an Everwise Business Relationship Manager to review your goals and talk through account options, financing, and digital tools that fit your business stage.

How do I get started with Everwise business banking?

You can start by visiting a branch or contacting the business services team. They will help you gather documents, open accounts, and explore loan options as needed.

What kinds of businesses do you work with?

Everwise works with a wide range of businesses, including sole proprietors, partnerships, LLCs, corporations, and nonprofits, from startups to more established organizations.

Who can open a business account with Everwise?

Business accounts are available to eligible businesses operating in Everwise’s field of membership areas, including Indiana and Michigan. A Business Services team member can help confirm your eligibility.

Explore other business solutions.

Business Credit Cards

Business Credit Cards

Whether you need to manage cash flow or earn rewards on daily expenses, we have a credit card designed to help your business thrive.

Business HSA

Business Heath Savings Account

An Everwise Health Savings Account (HSA) is a smart, tax-advantaged way for your team to save for medical expenses, offered at no cost to your business.

Business Lending

Small Business Loans

Small business takes determination. Our Indiana & Michigan financing helps you grow, with a simple, stress-free process.

*APY = Annual Percentage Yield. APY Accurate as of the last dividend declaration date.

1 Debit Rebate: Earn .50% rebate on any non-pin purchase with your Everwise Business Debit Mastercard®. Rebate amounts must be redeemed within 3 calendar years of the year they were earned. Eligible purchases do not include ATM transactions or those made using a personal identification number (PIN). Redeemed rebate amount may be subject to tax liability.

2 The fee for RDC for any Everwise business checking account is $50 per month. Businesses must utilize compatible scanner for batch deposits for RDC.

3 Third-party debits (withdrawals) are limited to five (5) per calendar month. Additional third-party debits (withdrawals) within each calendar month will be returned.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.