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
*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.
How to open a business checking account
To open a new account, please schedule an appointment at one of our branches, and a representative will walk you through the process.
If you have any questions, please contact Remote Member Assistance at 210-945-3300, ext. 66950, then choose option 2.
Existing RBFCU business members may also contact us via secure message or chat in your Online Banking account to get started.
Make your business checking free
Monthly account maintenance fees will be waived if you meet any of the following criteria:
- $50,000+ business loan balance
- ACH origination agreement with RBFCU
- Merchant or payroll processing through RBFCU’s provider
- Active check deposit scanner service
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 Statements and RBFCU Mobile Deposit®
- Free business debit card with 24/7 fraud monitoring and zero liability for unauthorized purchases

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.
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How can I open a business checking account?
Please schedule an appointment to open your business account at one of our branches and a representative will walk you through the process.
You can also call 210-945-3300, ext. 66950, then choose option 2, and one of our Remote Member Assistance Representatives will assist you with the account-opening process or answer your questions.
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Can I open a business checking account online?
RBFCU currently doesn’t open business checking accounts online, but we’re working to add that option to our Online Banking platform.
Please schedule an appointment to open your business account at one of our branches and a representative will walk you through the process. You can also call 210-945-3300, ext. 66950, then choose option 2, and one of our Remote Member Assistance Representatives will assist you.
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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, then choose option 2, or send a secure message through 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.
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, contact our Remote Member Assistance team at 210-945-3300 , ext. 66950, then choose option 2 (toll-free).