Servus Credit Union business checking delivers four account tiers with transparent fee structures, built-in cash management tools, and the transaction capacity your operation needs at every stage.
Servus Credit Union structures business checking around what your company actually needs, not a one-size-fits-all model that buries you in fees. The Basic Business Checking tier works for sole proprietors and startups processing fewer than 150 transactions monthly, with no minimum balance requirement and a flat $10 monthly maintenance fee that waives entirely when you maintain a $1,500 average daily balance. You get a business debit card, mobile check deposit, and online bill pay from day one.
As your transaction volume grows, Business Plus Checking steps up to 400 free monthly transactions, free ACH origination for payroll and vendor payments, and a reduced $0.35 over-limit item fee. The monthly fee stays at $18, waived at a $5,000 balance. Servus Credit Union designed each tier to graduate with your business so you never pay for capacity you do not yet need.
Business Premium Checking handles the complexity of established companies processing up to 800 transactions per month. Remote deposit capture eliminates branch trips for check deposits, dual-approval wire transfers add a layer of fraud protection, and the dedicated treasury onboarding specialist configures your account during the first week. The $35 monthly fee waives at a $25,000 combined balance across Servus Credit Union deposit accounts.
For the highest-volume operations, Business Elite Checking removes transaction limits entirely. You receive positive pay fraud detection, zero-balance account linking, controlled disbursement reporting, and a dedicated relationship manager who handles service requests directly. The $75 monthly fee waives at $75,000 in combined deposits. Every Servus Credit Union business checking account carries NCUA insurance protection as confirmed by the National Credit Union Administration.
Business checking at Servus Credit Union goes beyond basic deposit and withdrawal. ACH origination is included on Business Plus and higher tiers, letting you run payroll direct deposit batches, collect recurring customer payments, and pay vendors electronically without a separate processor contract. The ACH module supports both standard next-day and same-day settlement, and the batch upload interface accepts NACHA-formatted files from QuickBooks, Xero, and most ERP platforms.
Fraud prevention tools ship standard. Positive pay compares every check presented for payment against an issued-check file you upload, flagging mismatches in amount, payee, or check number before funds leave your account. Multi-user access lets you assign view-only, transaction-approval, and full-admin roles to employees, bookkeepers, and CPA firms. Every user action generates an audit trail entry visible in the account reconciliation dashboard that refreshes every four hours.
The Servus Credit Union business banking portal also supports automated sweep instructions. Idle checking balances above a threshold you define transfer to a linked business savings or money market account overnight, earning dividends without manual intervention. Controlled disbursement reports arrive by 9 AM ET each morning so your treasury team knows the exact funding requirement before the clearing window closes.
All tiers include business debit card, mobile check deposit, online bill pay, and multi-user access. Fees shown effective as of 2026. Contact your Servus Credit Union relationship manager for current pricing applicable to your specific business profile.
We moved our business checking to Servus Credit Union after three years of climbing fees at a national bank. The Premium tier gave us ACH origination and remote deposit that the old bank charged extra for. Our monthly banking costs dropped by more than half.
Running an HVAC business means I am on job sites all day. The Servus mobile deposit feature on our Business Plus checking lets me deposit customer checks between service calls without ever visiting a branch. The transaction tracking is straightforward and the fees are predictable.
Servus Credit Union offers four business checking tiers: Basic Business Checking for startups with up to 150 monthly transactions, Business Plus Checking with 400 transactions and ACH origination, Business Premium Checking with 800 transactions and remote deposit capture, and Business Elite Checking with unlimited transactions and full treasury management features including positive pay, zero-balance accounts, and dedicated relationship management.
Yes, Servus Credit Union business checking accounts have tiered transaction limits. The Basic tier allows 150 free transactions per month, Business Plus offers 400, Business Premium provides 800, and the Elite tier removes transaction caps entirely. Items counted toward the limit include deposited checks, checks paid, ACH debits and credits, and online transfers initiated through the Servus online banking portal. Over-limit items carry a per-item charge that decreases as you move up the tier structure.
Yes, Servus Credit Union provides remote deposit capture on Business Premium and Business Elite checking accounts. Members can scan checks from their office using a compatible desktop scanner or the Servus mobile banking app. Deposits submitted before 4 PM Eastern Time are credited same-day. The RDC system supports single-check scanning and batch upload for multi-check deposits, and the dashboard tracks deposit status from submission through clearing. Remote deposit is also available to Business Plus accounts for a modest add-on fee.
Servus Credit Union business checking accounts include ACH origination for direct deposit and vendor payments starting at the Business Plus tier, positive pay fraud protection on Business Premium and Elite, multi-user access with role-based permissions across all tiers, account reconciliation reporting with daily refresh, and integration with QuickBooks, Xero, and most accounting platforms. Business Elite adds sweep functionality, zero-balance account structures, and controlled disbursement reporting that arrives each morning before the clearing window.
Servus Credit Union assigns a business banking specialist to members opening their first business checking account. The specialist reviews your expected transaction volume, payroll frequency, average deposit size, and cash handling needs to recommend the right tier. Account setup includes configuring ACH origination templates if needed, setting up user roles for employees and bookkeepers, and scheduling remote deposit hardware delivery for Premium and Elite tiers. Most accounts are fully operational within two business days of application approval.
Servus Credit Union business checking accounts deliver the transaction flexibility that growing companies need without the surprise fees that erode operating margins. Pair your checking account with merchant services for same-day payment settlement and integrated POS hardware. Explore business loans including SBA-backed term financing when capital needs outpace cash flow. The cash management platform extends your checking account with sweep functionality and positive pay fraud controls.
Every Servus Credit Union business relationship includes access to online banking with multi-user permissions, mobile banking for deposits on the go, and commercial lending for larger capital projects. Visit our security center to review the encryption, authentication, and monitoring protocols protecting your account. The knowledge base contains setup guides for ACH templates, user management, and account reconciliation. For assistance, reach our team through contact support or review online access help for sign-in troubleshooting and security configuration.
The right business checking account gives your company the financial infrastructure to scale operations, manage cash positions, and reduce administrative overhead. Servus Credit Union business checking puts treasury-grade tools within reach of mid-market firms.
Choose the Servus Credit Union business checking tier that matches your transaction volume and start banking with a partner that understands business.
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