Keep business thriving

Local businesses are the heart of our communities. 

They create experiences and opportunities to grow the unique communities we love. At OCCU we want to help our local businesses not only grow but thrive. With the checking products that we offer, you can find the right accounts to fit the needs of your business.

Which account is right for your business?

Launch Business Checking

Thrive Business Checking

Optimum Business Checking

Free transactions per statement period*

Unlimited

Free cash deposits per month

Up to $5,000

Cleared Check Images available

Earns interest

Entitled users in MyOCCU Online & Mobile banking

Monthly service fee

$0

Free transactions per statement period*

500

Free cash deposits per month

Up to $15,000

Cleared Check Images available

Earns interest

.05% APY**

Entitled users in MyOCCU Online & Mobile banking

Monthly service fee

$0 with balance over $3,000. Otherwise, $15***

Free transactions per statement period*

Free cash deposits per month

Cleared Check Images available

Earns interest

.45% APY**

Entitled users in MyOCCU Online & Mobile banking

Monthly service fee

$16***

Launch Business Checking

Thrive Business Checking

Optimum Business Checking

Free transactions per statement period*

Unlimited

500

Free cash deposits per month

Up to $5,000

Up to $15,000

Cleared Check Images available

Earns interest

.05% APY**

.45% APY**

Entitled users in MyOCCU Online & Mobile banking

Monthly service fee

$0

$0 with balance over $3,000. Otherwise, $15***

$16***

* Free combined items per month include: ACH debit and credits, cleared and deposited checks. Wires and debit card purchases are excluded. Fees after transaction limits are $0.20 per transaction.

**Annual percentage yield. Thrive Business Checking annual percentage yield (APY): 0.05% APY, minimum opening balance of $100, $3,000 minimum daily balance to earn APY. Rates are variable, effective date as of 09/23/2024 and subject to change. Fees may reduce earnings.

Optimum Business Checking annual percentage yield (APY): 0.45% APY, minimum opening balance of $100, no minimum balance to earn APY. Rates are variable, effective date as of 09/23/2024 and subject to change. Fees may reduce earnings.

***Checking account monthly service fee is eligible for a $2 discount when your monthly statements are received via eStatements. 

Launch Business Checking

Whether you’re starting a new business or own a business with limited transactions, this account is ideal for you. Launch Business Checking has no monthly service fee and doesn’t require a high average monthly balance. You can also manage your account with ease with MyOCCU Online & Mobile banking. 

Launch business checking benefits:

  • No monthly service fee. 
  • Unlimited free transactions.  
  • Enjoy $5,000 in cash deposits per month without a fee.

Thrive Business Checking

As your business grows, we’re here to grow along with you. We created an account to help you get more. Thrive Business Checking helps you earn interest on the balances you keep in your account. This account features extra complimentary transactions to fit your thriving business.

Thrive Business Checking benefits:

  • No monthly service fee when balance of $3,000 or more is maintained.
  • Monthly service fee of $15 when minimum balances are not met. 
  • Eligible for a $2 discount when your monthly statements are received via eStatements.
  • First 500 transactions are complimentary.
  • Enjoy $15,000 in cash deposits per month without a fee.

Optimum Business Checking

As an established business, we understand the value of having accounts and strong relationships to keep your business running efficiently. Our Optimum Business Checking is the solution created for you. It features a higher earning potential and itemized fees, so you only get charged for what you use.

Optimum Business Checking benefits:

  • Offers a 0.45% APY rate to help you earn more on your balances. 
  • Low monthly service fee of $16.
  • Eligible for a $2 discount when your monthly statements are received via eStatements.
  • Itemized fees so you only get charged for what you use.

Find out how OCCU can support your business