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
*An “Item” is defined as any debit or credit to your business account, except for RBFCU fees.
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.
Intuit TurboTax
Take advantage of business tax experts who can prepare and file for your business and save up to 20% off.1*
*Exclusive offers available upon Freedom Business Debit Card activation.
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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 210-637-3000 or starting a chat in your Online Banking account.
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
Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. 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. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.
All third party trademarks are the property of their respective owners.