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Photo of a machine control panel
Photo of a machine control panel
business checking rate
0.15% APY*

Minimum $50,000.

APY effective 4/19/24

You run the business. We'll handle the rest.

Find the checking account that’s right for your business.

With low fees and practical features to manage your cash flow, including the option to earn dividends on your account balance, our accounts make business checking easy.

Freedom and Growth.

Compare our business checking options.
Freedom. Growth.
Designed for the business that wants the flexibility to choose the products and services that work best. All the benefits of Freedom Checking, plus competitive dividends and benefits to help your business grow.
No dividends. Dividends earned on balances above $10,000.
No monthly service charge.


$12 if enrolled in online statements.

Waived if account has STCU merchant services, STCU remote deposit capture, or combined deposit accounts average balances are $10,000 or more.

Unlimited, free remote deposit capture. Unlimited, free remote deposit capture; $150 credit towards scanner purchase after 12 months of use.
Premier Rewards World Elite credit card available.1 Premier Rewards World Elite credit card available; no annual fee for first five cards.1

Available on both Freedom and Growth:

  • Physical checks.2
  • Free, unlimited mobile deposits and transfers.
  • Free business debit card.3
  • Surcharge-free access to thousands of ATMs.
  • Free online and mobile banking, with billpay.
  • Free online check images.
  • Merchant services.
  • ACH services.
  • Stop payments.
  • Free incoming wires.
  • Outgoing domestic wires.

Analyzed checking.

For businesses with higher monthly balances and transaction volumes, choose analyzed checking. You'll enjoy many of the same account benefits — plus earn credits that can offset fees!

Contact us for details

Get in touch.

Contact our business team.
Meet the team.

Email us.

Call us.
(509) 344-2200 WA
(208) 619-4001 ID
(877) 304-7185 Toll-free

Visit in person.
Drop by any branch. For larger loans, call or email us to schedule an appointment.

Not a member?
Join us!

Need some help?
View business documents.


*APY = Annual percentage Yield.

1All loans subject to approval. $75 total annual fee for first five cards, $15 annual fee for each additional card.

2See business fee schedule (PDF) for details.

3First debit card, or renewed cards, are free. Fee may apply for lost card replacements.