Skip To Content
Routing Number: 263181384
Account Log In

Business Checking Accounts

Whether you're just getting started or managing a growing company, our business checking accounts are designed to keep your finances running smoothly. Enjoy convenient access to your funds, flexible account options, and tools that help simplify day-to-day operations—so you can focus on what matters most: your business. From low-cost solutions for small businesses to accounts built for higher transaction volumes, we offer options to fit your needs at every stage. Plus, with digital banking, cash management tools, and dedicated support, managing your business finances has never been easier.

How Do Our Checking Accounts Compare?

We understand that each business has a unique set of banking needs. That is why we created a portfolio of checking accounts with different features and requirements – because not every business checking account is a one-size-fits-all.

Go Checking

Recommended for businesses with fewer banking activities

  • 50 free transactions per month²
  • $5,000 cash deposits included at the branch³
  • $5.00 monthly maintenance fee (waived with $1,000 average daily share balance, or 20+ monthly transactions, or active business credit card)
  • Eligible for positive pay treasury access

Thrive Checking

Recommended for growing businesses gaining traction

  • 150 free transactions per month²
  • $15,000 cash deposits included at the branch³
  • $10.00 monthly maintenance fee (waived with $5,000 average daily share balance, $15,000 combined average daily balance in all account shares, or $100,000 business loan balance)
  • Full treasury access

Rise Checking

Recommended for established businesses 

  • 250 combined transactions per month free⁴
  • $25,000 cash deposits included at the branch³
  • $20.00 monthly maintenance fee (waived with $15,000 average daily share balance, $25,000 combined average daily balance in all account shares, or $250,000 business loan balance)
  • Full treasury access

Apex Checking

Recommended for high-activity businesses needing control and support

  • 500 free transactions per month²
  • $40,000 cash deposits included at the branch³
  • $30.00 monthly maintenance fee (waived with $40,000 combined average daily balance in all account shares, or $500,000 business loan balance)
  • Full treasury access
  • Free Treasury Setup³
  • Treasury Priority Support & Dedicated Treasury Advisor³

Analysis Checking

Recommended for high-balance businesses optimizing every dollar

  • $30,000 cash deposits included at the branch³
  • $15.00 monthly maintenance fee (Fee offset with earnings credit)
  • Full treasury access
  • Treasury Priority Support & Dedicated Treasury Advisor³

Nonprofit Checking

Recommended for nonprofits* and community organizations that need simple, transparent banking

  • Unlimited free transactions
  • No monthly maintenance fee
  • Full treasury access

 

Explore

 Go Checking       Thrive Checking      Rise Checking       Apex Checking       Analysis Checking       

 

Benefits of all Checking Accounts

Go Checking -
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Eligible for positive pay treasury access
0.25% Rate discount on business credit card⁴
Thrive Checking -
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
0.25% Rate discount on business credit card⁴
Rise Checking -
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
Sweep / ZBA Eligibility³
0.25% Rate discount on business credit card⁴
One free order of standard checks per year
Free Incoming Domestic Wires
Free Incoming International Wires
Discounted Setup Treasury Fees³
Apex Checking -
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
Sweep / ZBA Eligibility³
0.25% Rate discount on business credit card⁴
One free order of standard checks per year
Free Incoming Domestic Wires
Free Incoming International Wires
Free Treasury Setup³
Treasury Priority Support & Dedicated Treasury Advisor³
Analysis Checking -
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
Sweep / ZBA Eligibility³
Discounted Setup Treasury Fees³
Treasury Priority Support & Dedicated Treasury Advisor³
Nonprofit Checking -
No monthly maintenance fee
Unlimited free transactions
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
Comparing 0/2
Add one
Add one
Features & Benefits Go Checking - Click to Compare Thrive Checking - Click to Compare Rise Checking - Click to Compare Apex Checking - Click to Compare Analysis Checking - Click to Compare Nonprofit Checking - Click to Compare
Other No monthly maintenance fee
Unlimited free transactions
Top-rated Digital Banking
Free eStatements
Online Banking Sub User Control
Quicken & QuickBooks Exports
Full treasury access
Eligible for positive pay treasury access
Sweep / ZBA Eligibility³
0.25% Rate discount on business credit card⁴
One free order of standard checks per year
Free Incoming Domestic Wires
Free Incoming International Wires
Free Treasury Setup³
Discounted Setup Treasury Fees³
Treasury Priority Support & Dedicated Treasury Advisor³
Comparing 0/4
Add one
Add one
Add one
Add one

1All accounts subject to approval. Fees and terms may vary. Refer to the All About Your Business Account disclosure and Business Fee Schedule for full details at anytime. 

2Fees or conditions could reduce earnings. All rates are subject to change without notice.

3Subject to Treasury Management enrollment and approval. Terms and conditions apply. Consult with a Treasury Management Specialist for details. Select access means Positive Pay only.

4Subject to credit approval. Open a new eligible business checking account to receive a 0.25% APR discount on a Business Rewards Credit Card. Discount will be applied after qualification and may take up to two billing cycles. Discount does not apply to promotional, penalty, or cash advance rates and may be removed if the checking account is closed or not in good standing. Offer subject to change at anytime. 

Find the Right Business Checking Account

Answer a few quick questions and we’ll recommend the account that best fits your business, along with treasury services that may help you move money faster, reduce fraud risk, and save time.

Step 1 of 7

How active is your account likely to be?

We’ll start with transaction volume. That’s one of the biggest signals for finding the right fit.

How does money come into your business?

Select all that apply.

How do you usually pay vendors, bills or employees?

Select all that apply.

Tell us a little about deposits

This helps us match your account to your business activity and cash needs.

How advanced are your banking needs?

These answers help us recommend treasury services that may save time and reduce risk.

Would you like to qualify for fee waivers?

These questions help estimate whether you may be able to avoid monthly service fees.

Last few details

A final question to fine-tune your recommendation.

My Recommendation

Based on your answers, here’s the account that looks like the best fit. Your full recommendation is shown to the right.

Use Back to revise an answer, Start over to begin again, or Print to save a copy of your results.

Account fit —
Treasury need —

No recommendation yet

Complete the questions

Your recommendation will appear here.

    Monthly fee and waiver view

    Monthly fee —
    Waiver estimate —
    Waiver information will appear here.
    Estimated monthly savings Savings are estimated using the transaction range you selected and a midpoint transaction count. The comparison is between the recommended account and the next lower account tier, using monthly fee plus estimated overage transaction fees. Fee waiver success is not included in this savings estimate. Actual costs, savings, and other fees may vary. —
    Savings information will appear here.
    How this estimate works Midpoint transaction assumptions used by this tool: 0–50 = 25, 51–150 = 100, 151–250 = 200, 251–500 = 375, and 500+ = 600 transactions per month. For analyzed checking, transaction pricing can vary, so results are more directional than precise.

    Treasury services that may fit your business

      Account details

      FeatureValue
      Important disclosure. This tool provides a non binding and informational estimate of the cost of owning a business account at Addition Financial Credit Union. The results do not constitute an offer, agreement, or guarantee of account ownership or pricing. Actual pricing and fees will vary based on usage, balances, services selected, and account activity. All fees are governed by the Credit Union’s current Business Fee Schedule and applicable account agreements. Fees for additional products and services apply. Business account ownership and Treasury Management products and services are subject to approval. Eligibility restrictions, including credit evaluation, apply. Full “Business Account Terms,” available at www.AdditionFi.com/Disclosures.

      Additional Support for Your Business

      Beyond checking, we're here to provide everything you need to grow your business.

      Payroll Services

      Streamline your payroll processes so you can spend less time worrying about payroll details and more time doing what you’re in business to do. Through our partnership with Paychex, we can help connect you to convenient payroll services you can count on.

      Payroll Services
      Man with envelope

      Merchant Services

      Make it easy for customers to pay you with electronic point-of-sale payment systems, secure transaction processing and more. Addition Financial partners with Electronic Merchant Systems® to offer flexible and affordable payment processing solutions for your business.

      Merchant Services
      Card swiping device with business debit card

      Business Loans

      Whether you need more dough for your bakery, more Benjamins for your bike shop or more bones for your medical practice, Addition Financial has you covered.

      Business Loans
      Man on a riding lawnmower

      Business Rewards Credit Card

      Buy what you need and get what you want with a credit card that offers low rates, reward points on every purchase, no annual fee and no balance transfer fee. Take advantage of our special introductory offer!

      Business Rewards Credit Card
      Images of airplane, salad and wine, and mobile phone

      How Can We Help?

      Suggestions

      Schedule Appointment

      Routing Number:

      263181384

      You are being redirected to a site out of our control

      By clicking CONTINUE below, you will be leaving AdditionFi.com to visit an external website that is not owned or operated by Addition Financial Credit Union. Please note that Addition Financial is not responsible for the content of the external website and does not represent either you or the external website owner/operator in any transaction(s) that may result from your visit to the external website. Further, the external website’s privacy and security policies may differ from those practiced by Addition Financial.