Business Checking

Federally insured by NCUA

For a Limited Time: Open a qualifying Business Checking account and get up to $500 Cash Bonus*!

 

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Vantage West Business Checking offers you three flexible account options based on your business needs, provided by a partner who understands the unique complexities of our community. All accounts include:

  • Free online bill pay
  • Easy exporting to QuickBooks**
  • Free Basic Cash Management package
  • No cash-processing fees

We also provide Interest on Lawyers’ Trust Accounts (IOLTAs), geared specially for attorneys in Southern Arizona. Check out the comparison chart below to see which account is right for you.

Select Business Checking 

  • Dividends paid on average daily balance 
  • First 300 transactions fees waived per month 
  • Monthly service fee waived for the first two months 
  • No balance requirement 
  • Easily export to QuickBooks** 
  • No monthly service fees with average daily balance of $1,500, or 10 or more business debit or credit card transactions per month, or $15,000 combined business balances 
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Premier Business Checking 

  • Dividends paid on average daily balance 
  • First 500 transactions fees waived per month 
  • Monthly service fee waived for the first two months 
  • No balance requirement 
  • Free cashier's checks 
  • Up to 2 additional checking accounts with no monthly service fee 
  • Easily export to QuickBooks** 
  • No monthly service fees with average daily balance of $10,000, or maintain $35,000 in combined business balances (ex: checking, savings, credit), or make $1,000 in net purchases per month on VWCU Business debit or credit card 
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Community Business Checking 

  • Only open to non-profit business and organizations, or unincorporated associations 
  • Dividends paid on average daily balance 
  • First 150 transactions fees waived per month 
  • Monthly service fee waived for the first two months 
  • No balance requirement 
  • Easily export to QuickBooks** 
  • No monthly service fees with average daily balance of $500 and be enrolled in eStatements 
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Account Features Select Business Checking Premier Business Checking Community Business Checking
Min. Opening Deposit $100 $100 $100
Monthly Service Fee $10 (waived for first 2 months) $20 (waived for first 2 months) $5 (waived for first 2 months)
How to Get Service Fee Waived Maintain a $1,500 average daily balance - OR - 10 or more business debit or credit card transactions per month -OR - $15,000 combine business balances Maintain a $10,000 average daily balance - OR - maintain $35,000 in combined business balances (ex: checking, savings, credit) - OR - make $1,000 in net purchases per month on VWCU Business debit or credit card Maintain a $500 average daily balance AND eStatements
No Cash-processing Fees
Earn Dividends Based on Average Daily Balance
Export to QuickBooks**
3 Free Non-VWCU ATM Fees Per Month1 No
Transaction Fees Per Month First 300 are free; 301 and up: $0.10 each; no cash limit First 500 are free; 501 and up: $0.10 each (Option of 200 additional transactions for $10/month); no cash limit First 150 are free; 151 and up: $0.10 each; no cash limit
Free Basic Cash Management Package
Balance Requirement None (Dividends paid monthly on average daily balance) None (Dividends paid monthly on average daily balance) None (Dividends paid monthly on average daily balance)
Free Cashier's Checks No No
Up to 2 Additional Checking Accounts with No Monthly Service Fee No No
Interested in an account? Open Now Open Now Open Now
Last Updated May 1, 2025. 

Disclosures

*To qualify for the $500.00 cash bonus, you must open a new Vantage West Select Business Checking account, Premier Business Checking account or Community Business Checking account and complete each of the following: Deposit an aggregate total of $10,000.00 in new money within thirty (30) days of account opening; and complete five (5) qualifying transactions within sixty (60) days of account opening. Qualifying transactions include new money deposits, credit card and debit card purchases (transactions and purchases must be completed on the business account associated with the newly opened checking account). To qualify for the $200.00 cash bonus, you must open a new Vantage West Select Business Checking account, Premier Business Checking account or Community Business Checking account and complete each of the following: Deposit an aggregate total of $2,000.00 in new money within thirty (30) days of account opening; and complete five (5) qualifying transactions within sixty (60) days of account opening. Qualifying transactions include new money deposits, credit card and debit card purchases (transactions and purchases must be completed on the business account associated with the newly opened checking account).

Promotion runs May 1, 2025 – October 31, 2025, and all qualifying activities must be completed within the stated time frames. New money is new funds deposited into the checking account that are not transfers from any other Vantage West account. A transfer done via ATM, online or teller, or a transfer from a Vantage West account is not considered new money. A cash withdrawal from an existing Vantage West account and deposited into the new business checking account is not considered new money. Purchases for debit card and credit card transactions do not include ATM transactions or inquiries, balance transfers, cash advances, interest, unauthorized or fraudulent charges, items returned for credit, or fees of any kind, if applicable. Your account must remain open for at least six (6) months. If it is closed within six (6) months of the open date you may be responsible for reimbursement of any bonus awarded. Minimum opening deposit of $100.00 is required. Limit one new Select, Premier or Community Checking account, per Membership and per EIN/SSN, will be eligible for the bonus. The combination of multiple checking accounts will not increase the bonus offer. Offer is only available to business members who have not had a business checking account with Vantage West in the past six (6) months. Offer valid for new Select, Premier and Community Checking accounts only. Members with any existing business checking account are not eligible for the bonus. Conversions between Select, Premier and Community Checking are not eligible for the bonus. Offer cannot be combined with any other offers associated with opening a business checking account. The cash bonus will be credited to your new business checking account within thirty (30) days of the date the last requirement is met. Your account must be open and in good standing at the time the bonus is awarded. IOLTA accounts are not eligible for the promotion. The value of this bonus may constitute as taxable income and is subject to IRS reporting. All applicable federal, state, and local taxes are the responsibility of each account owner. All accounts are subject to approval. Additional restrictions may apply. Offer subject to change without notice.

Subject to approval. Credit Union Membership required. Certain restrictions may apply. Federally insured by NCUA.

**QuickBooks is a registered trademark of Intuit, Inc.

1 Vantage West fee only.  2Excludes Visa.

Subject to approval. Credit union Membership required. Certain restrictions may apply.  Federally insured by NCUA.