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Business Access Checking

Checking light, done right

Add more zeros to your account in all the right places with a business checking account that offers zero minimum balance requirement and zero monthly service fee.

Pay less + get more

The old saying “you get what you pay for” isn’t always true. Take our Business Access Checking Account for instance. You won’t pay a penny in monthly service charges and there’s no charge for your first 25 transactions a month, which means paying nothing. But what you’re getting in return definitely isn’t nothing. It’s something perfect for your small business: convenient online and mobile access to your account, expert guidance from local financial professionals and the security of knowing your funds are federally insured. 

Top of the line service. Bottom line improvement.

When you’re running a small business, you can’t afford to get nickel-and-dimed to death. You need every dollar to pull its weight without any distractions. That’s why we created Business Access Checking: an account that doesn’t charge fees for low balances or low transaction volumes while still offering powerful tools, helpful resources and individual attention. 

  • Minimum opening deposit of $50 or more
  • No minimum balance requirement
  • No monthly service charge
  • 25 combined transactions per month free*
  • 24/7 online and mobile access

Why a Business Access Checking Account?

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Fewer Fees

No minimum balance fee or monthly service charge.

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Bank Wherever You Are

It’s all at your fingertips with our mobile app.

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Keep It Local

Your money stays right here in the community.

Additional Features and Benefits

  • P2P transfers through Bill Pay
  • Shared Branch Network
  • Payroll Services
  • Merchant Services
  • SaveTopia Discount Program
  • Contactless payment with Tap to Pay

The most secure way to pay

All new Addition Financial debit cards come with the latest card technology. Tap to pay lets you make transactions just by tapping your card on any reader with a tap to pay symbol. It’s faster and more secure than using a chip or swiping your card. With an Addition Financial card, checkout is as simple as look, tap and pay.
Baker woman standing behind her shop desk.

We’re into small but mighty

Every business started out small. Whether yours takes years to build into something bigger or experiences explosive growth overnight, we’ll be here to help you handle the volume when the time comes. In the meantime, we make it easy to save money and build a healthy bottom line with a checking account that charges you less.
  1. 1
    Review eligibility

    Own a business in 22 select counties. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    See requirements for verification documents, then visit a branch for a Member Service Representative to walk you through the process.

  3. 3
    Get your checking account

    Start managing your money.

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.

*Per statement cycle. Items processing charge includes check writing, deposits, deposited items, ACH transactions, Shared Branching, and Bill Payer.