Business Checking Accounts
Business Checking Accounts
When you sign up your business with a Zeal business checking account, we become a partner in your financial future. Our team is here to help you succeed and grow – providing an account that works for you – with convenient access to free Online Banking and BillPay.
Compare Business Checking Accounts
| Basic Business Checking • This account is right for you if you: • Own a small business • Have low cash handling needs • Keep a daily balance of $1000 | Business Dividend Checking • This account is right for you if you: • Own a small business • Have low cash handling needs • Maintain a daily balance of $5,000 or more | |
| Contact Us | 800-321-8570 | 800-321-8570 |
| Minimum Balance Required to Open | None | $1,000 Minimum daily balance requirement to avoid fee |
| Monthly Service Fee | $10 Monthly service fee may not be waived | $10 Monthly service fee may not be waived |
| ATM Access | 5 free ATM withdrawals per month | 5 free ATM withdrawals per month |
| ATM Withdrawal Fee | $1 fee per ATM withdrawal is charged when the combined daily balance of accounts* is less than $199 or if the ATM withdrawals exceed 5 during the month | $1 fee per ATM withdrawal is charged when the combined daily balance of accounts* is less than $199 or if the ATM withdrawals exceed 5 during the month |
| Check Writing Fee | $.20 per check | $.20 per check |
| Returned Deposit Fee | $2.00 per returned item | $2.00 per returned item |
| Earns Dividends | No | Yes Dividends are compounded monthly. If a member closes the account before dividends are paid, the member will not receive the accrued dividends. |
| Withdrawal/Transfer Limitations | None | None |
| Statement Frequency | Monthly | Monthly |
| Direct Deposit | Available | Available |
| Overdraft Privilege (ODP) | Available to Qualified Members | Available to Qualified Members |
| Overdraft Protection Loan | Available to Qualified Members | Available to Qualified Members |
| Debit Card | Provided | Provided |
| Free Online Banking with BillPay | Provided | Provided |
| Free Mobile Banking with E-Deposits | Provided | Provided |
*Combined daily balance of accounts includes balances in savings, checking, club and/or certificate accounts
You'll benefit from these great features
E-Deposit
One less errand for you to check off your list. Scan or snap a picture and deposit checks into your account.
Debit Cards
Access your account conveniently through ATMs, local branches, and shared branches – all protected via strong security.
Alerts
We’ll let you know when checks clear, a transaction is complete and more. Set-up your preferences and stay in the know about your business accounts.
E-Statements
Receive your monthly statement securely and conveniently online.
Mobile Banking
Download our free mobile banking app – and your business goes where you go.
Applying for a Business Account
What You'll Need to Apply
- Business documentation, such as:
- Filing documents
- Articles of organization
- Articles of incorporation, and/or
- Certificates of resolution
- Business Tax ID
- Name and address of the business
- The state in which the business operates
- The state in which the business was formed
- Date the business was established
- The SSN, address and DOB of the business owner
What to Expect After Applying for your Business Account
- When your application is complete, you’ll receive a confirmation email or a letter from the Zeal team.
- We’ll ask that you fax any supplemental documents to the provided fax line.
- After your account is approved, you must come to a branch to sign forms and receive your signature card.
- You can fund your account by using another debit card – transferring money from another account or writing a check.
- Once your account is open, you can begin to access Online Banking, and you’ll receive your checks and debit card(s) in approximately 7 to 10 business days.
