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Business Essential Checking

Keep your business running smoothly.

Accomplish more and pay less with a checking account that’s designed with needs of small businesses in mind.

Minimum cost + maximum convenience

Designed specifically for the needs of small businesses, Business Essential Checking helps you keep overhead low while giving you all the tools you need to manage your account quickly and easily. Your first 100 transactions per month are free and monthly service fees can be waived based on your account or loan balance. Plus, Addition Financial’s mobile app and Online Banking make it easy to stay on top of your business finances whenever and wherever it’s convenient for you.

All the essentials for your small business

Get everything your small business needs in a checking account that’s simple, straightforward and secure. A Business Essential Checking Account gives you convenience and flexibility for managing your money on a day to day basis so you can spend less time banking and more time building your business.

  • Minimum opening deposit of $100 or more
  • 100 complimentary transactions per month*
  • No monthly service fee with average daily balance of $10,000 or $25,000 in business loan balances; otherwise $10 monthly service fee**
  • 24/7 online and mobile account access

Why a Business Essential Checking Account?

Fewer Fees

No monthly service or transaction fees when certain requirements are met.

Bank Wherever You Are

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

On Time, Every Time

Online bill payments = easy and convenient.

Additional Features and Benefits

  • P2P transfers through Bill Pay
  • Shared Branch Network
  • Merchant Services
  • Payroll Services
  • 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.
Business man dancing to music.

Do more without paying more

Get a business checking account that’s willing to roll up its sleeves and work just as hard as you do, without costing you the equivalent of another employee.
  1. 1
    Review eligibility

    Own a business in one or more of 24 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.

*Item processing charge includes check writing, deposits, deposited items, ACH transactions, Shared Branching, and Bill Payer.

**Fee will be assessed if the average daily balance is less than $10,000 OR loan balances of at least $25,000 is not maintained and in good standings on the account.