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Illustration of money growing like a plant
Illustration of money growing like a plant
Illustration of money growing like a plant
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APY effective 02/02/2021

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View rates and terms


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

Simplify your business checking, with low fees and practical features to manage your cash flow, including the option to earn dividends on your account balances.

Freedom and Growth.

Comparison of STCU business checking accounts.
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 electronic statements.

Waived if account has STCU merchant services, STCU remote deposit capture, or $10,000 in combined balances.

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.* Premier Rewards World Elite credit card available; no annual fee for first five cards.*

Available on both Freedom and Growth:

  • Physical checks. 1
  • Free, unlimited mobile deposits and transfers.
  • Free business debit card. 2
  • Free ATM access at thousands of shared ATMs.
  • Free online and mobile banking with billpay.
  • Free online check images.
  • Merchant services.
  • Free basic ACH services; optional premium ACH.
  • 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.

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, visit the seventh floor of the Hutton Building.


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

1See business fee schedule (PDF) for details.

2First debit card, or renewed cards, are free. Fee may apply for lost card replacements. 

3Purchases must post between July 7 and September 30, 2020.

4Promotion end date of September 30, 2020 does not include 60-day minimum balance window.

5Credit card subject to approval. See Business Fee Schedule for ACH origination details. Mobile deposits must post to account before September 30, 2020. Offer open to first 200 qualifying memberships. New business members only. Qualified business types include corporation, sole proprietorship, limited liability company, partnership, formal and informal organization, and trusts (EIN only). Account must be active. STCU will attempt to deposit $200 in your account within 30 days of verifying all requirements have been met. Anyone who has established a business account at STCU prior to July 7, 2020, or who has previously met all four requirements for this promotion, is not eligible.