Business Checking
Checking accounts to fit the needs of your business
Whatever stage your business is in — whether you’re a start-up, a company in growth mode or a well-established organization — RBFCU has three business checking accounts designed to provide greater value and choices.
Business checking account options:
Basic Business Checking
• No monthly maintenance fee
• 50 free monthly items* (additional items 25¢ each)
Ideal for:
Businesses that have low monthly item volumes requiring a simple account
Preferred Business Checking
• $5 monthly maintenance fee
• 250 free monthly items* (additional items 25¢ each)
Ideal for:
Mid-size businesses with moderate monthly item activity
Elite Business Checking
• $15 monthly maintenance fee
• Unlimited items* with no additional fees
Ideal for:
High-volume, established or growing businesses
Organizational Checking
• No monthly maintenance fee
• Unlimited items* with no additional fees
Ideal for:
Unincorporated associations or clubs, such as schools, churches, youth sports and similar organizations
*Item: Any check, ACH funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge or other amount that is added to or subtracted from your balance.
Make your business checking free
Monthly account maintenance fees will be waived if you meet any of the following criteria:
All business checking accounts also include these benefits and features:
- $1 minimum balance to open and earn stated Annual Percentage Yield (APY)
- Access to convenient mobile and online services, such as the RBFCU Mobile® app, RBFCU Bill Pay®, Paperless Preference to receive statements and account documents electronically, and RBFCU Mobile Deposit®
- Free business debit card with 24/7 fraud monitoring and zero liability for unauthorized purchases
- Access to a full suite of business products and services with low to no-cost
- Affordable wire services with $0 fee for incoming wires
Get valuable rebates when you use your RBFCU Mastercard® Freedom Business Debit Card with Mastercard Easy Savings®
Take advantage of automatic rebates at more than 50,000 merchants when you use the RBFCU Mastercard Freedom Business Debit Card. There’s no enrollment fee, no coupons and no codes. Transactions must be processed as a credit to qualify.*
Your savings will be applied to your RBFCU business account each month — automatically. Click here for frequently asked questions about Mastercard Easy Savings.
*Purchases must be processed as a credit transaction. Sign or select “credit” when using your Freedom Business Debit Card. If prompted for PIN, select cancel and sign.
Use your RBFCU Freedom Business Debit Card to qualify for these rebates:
Drive and save
Save 1% on fuel at over 19,000 gas stations.
Dine and save
Save 4% at over 20,000 top dining destinations.
Stay and save
Save 4% at over 5,000 hotels.
Manage and save
Save 2%-20% on a range of business services.
Travel and save
Save 5% on car rentals.
Buy and save
Save on everyday purchases at more than 50,000 participating merchants nationwide.
Exclusive Mastercard offers for RBFCU Freedom Debit cardholders
Intuit TurboTax
Take advantage of business tax experts who can prepare and file for your business and save up to 20% off.1*
HealthLock Medical Claim Monitor
Monitors and alerts to HIPPA privacy breaches and includes a fraud resolution team that helps resolve issues and fix medical records. Plus, take advantage of a complimentary 90-day trial on Medical Claim Saver.2*
*Exclusive offers available upon Freedom Business Debit Card activation.
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How do I open a business account?
Click here to initiate your business account request online, make an appointment at any branch or call 210-945-3300, ext. 66950.
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Can I open a business account online?
Yes. Click here to initiate your business account request. If you need assistance or have questions about the process, please call our Online Support team at 210-967-2436.
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I have a business loan with RBFCU. Do I qualify for a discount on my business checking?
Monthly account maintenance fees will be waived for businesses that have a business loan balance over $50,000, or have one or more of the following products:
- ACH origination agreement with RBFCU
- Merchant or payroll processing through RBFCU’s provider
- Active check deposit scanner service
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How do I choose my business checking account type?
Members may choose the type of account based on estimated transactions per month. To request a specific business checking account type, you may initiate the process by contacting our Remote Member Assistance Team at 210-945-3300, ext. 66950, or starting a chat in your Online Banking account.
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What qualifies as an item for a monthly transaction on my business checking account?
An item is any check, ACH funds transfer, teller cash withdrawal, ATM withdrawal, debit card purchase, fee, charge or other amount that is added to or subtracted from your balance.
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How do I update or add additional accounts to an existing business account?
You may make an appointment at any branch or call 210-945-3300, ext. 66950.
Zero Liability applies to transactions that have been promptly reported and determined by RBFCU as unauthorized, subject to terms and conditions in accordance with RBFCU’s Electronic Funds Transfer Agreement at rbfcu.org/eft.
Program subject to change without notice. Restrictions apply. Rebates currently available for qualifying eligible purchases made with an RBFCU Freedom Business Debit Card. Participating merchants and rebate offers subject to change. You'll receive Mastercard Easy Savings® Program rebates on top of merchant discounts. Click here for Mastercard Easy Savings terms and conditions.
To open a business account, RBFCU personal accounts of all principal owners must be in good standing. Programs and fees subject to change. Certain information regarding the nature and transaction types of your business will be gathered at the time of account opening. Check cashing is not available on business accounts, however, you may deposit and withdraw the funds. We do not offer Money Service Businesses (MSB) accounts. The Department of the Treasury and FinCEN defines a Money Services Business (MSB) as a business that conducts more than $1,000 in business with one person in one or more transactions on the same day in one or more of the following services: Money Orders, Traveler’s Checks, Money Transmission, Check Cashing, Currency Exchange, Currency Dealing and Stored Value. For complete details, call Remote Member Assistance at 210-967-2436.
1. Intuit TurboTax
Limited time offer for TurboTax ends 9/30/25. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
2. HealthLock
HealthLock is an end to end analytics driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:
- Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
- Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24 month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
- Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.
Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here.
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