Compare Small Business Checking Accounts

Each business is different. That’s why, at Mountain America, you will find a business checking account that helps you focus on your business, not your banking.

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Compare Small Business Checking Accounts

Each business is different. That’s why, at Mountain America, you will find a business checking account that helps you focus on your business, not your banking.

Get the Most From Your Mountain America Business Checking Account

Your business needs the right kind of business checking account. That’s why Mountain America offers checking accounts that help you spend less time worrying about your finances and more time running your business. Find the best business checking account for you below.
 
  Business Essential Checking Business Growth Checking Nonprofit Checking
  Simplified checking for businesses with minimal transaction needs. Checking for growing businesses. Choose earning dividends or earning credits. Checking for Nonprofit organizations only.
New Checking Setup Charge $25 $25 $0
Monthly Maintenance Charge $5 $15 $0
How to Waive Maintenance Charge Receive your statement electronically through eStatements. For accounts earning dividends: $5,000 avg. daily balance. For accounts with earnings credit: earnings credit offsets trans-action and service charges.1 N/A
Checks Deposited & Cleared No Charge2 300 combined items per month. Each additional item is 10¢ per item. Unlimited
Cash/Coin Handling No Charge2 35¢ per $1,000 after the first $10,000 per month.3 Unlimited
Sweep Account Available   x x
Online Business Banking Included x x x
Bill Pay Included x x x
Employee Direct Deposit Included4 x x x
Business Debit Card x x x
Another option to consider that works with these accounts is a Business Sweep account. This is a convenient cash management tool that sweeps excess funds between an interest-bearing account and a checking account.
 

What are the requirements for a business checking account?

The eligibility requirements and necessary paperwork to open a business checking account differ by business type and state.
The typical documentation businesses need includes:
  • Identifying documents (driver’s license, passport, social security card)
  • Current business license
  • Legal incorporation documents filed with the state
  • Tax ID number (or EIN, employment identification number)
If you’re a DBA, then you also need to bring in a photocopy of your registration with the state to register that name.

Mountain America Credit Union is here to help your business grow and succeed. Meet with a business advisor today to identify the right accounts and services for your business. Schedule an appointment online now by clicking the button below, visiting your nearest Mountain America branch or calling 1-888-845-1850.

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This information is provided for illustration only. It does not replace information contained in the Membership Agreement, which governs the terms of your account and the Business and Organization Checking Plans.
  1. An earnings credit will be calculated on the collected average daily balance. The earnings rate is determined monthly by the credit union. Charges are subtracted from the earnings credit. A negative net difference will result in a net charge for that statement cycle. A positive net difference results in no charges for that statement cycle. Positive net differences are not paid to the account or carried forward to the next statement cycle, but they may be combined with the analysis results of other checking accounts of the business.
  2. If combined monthly items deposited and cleared exceed 300 or aggregate monthly cash/coin exceeds $10,000 per month for two consecutive months, the account will be converted to a Business Growth Checking account.
  3. Cash or coin transaction processing for deposits or withdrawals. Charges are based on aggregated deposits and withdrawals that exceed $10,000 per month.
  4. Simple application required; on approved credit (OAC).
To order checks, click here.

Business Essential Checking

If you’re looking for a simple, convenient and low-cost business checking account, Mountain America’s Business Essential Checking is the solution for you. With this account, you can handle all of your basic checking needs, including deposits, cash/coin handling and debit card access.
 

Benefits of Business Essential Checking

  • Perfect for businesses with lower transaction needs
  • No charge for checks deposited and cleared1
  • No charge for cash and coin handling1
  • Free Online Business Banking
  • Online Bill Pay2
  • Business Visa® Debit Cards
  • Waived maintenance charges when you sign up for eStatements
Compare Essential Checking to Mountain America’s other checking options.


Open Your Account Today

Mountain America Credit Union is here to help your business grow and succeed. Meet with a business advisor today to open your Business Essential Checking Account. Schedule appointment online now by clicking the button below, visiting your nearest Mountain America branch or calling 1-888-845-1850.

Get Started
 
  1. If combined monthly items deposited and cleared exceed 300 or aggregate monthly cash/coin exceeds $10,000 per month for two consecutive months, the account will be converted to a Business Growth Checking account.
  2. No charge for the first 10 bills per month, 60¢ per bill over 10.

 

Business Growth Checking

Mountain America’s Business Growth Checking is a full-featured checking account for businesses with more advanced checking needs. Growth Checking covers all of your basic transactions; plus it gives you access to sweep accounts, employee direct deposit, business remote deposit and more.
 

Benefits of Business Growth Checking

  • Ideal for businesses with higher transaction levels
  • Choose from earning interest or an earnings credit that can help you offset transaction and service charges
  • Free Online Business Banking
  • Online Bill Pay1
  • Employee Direct Deposit2
  • Business Visa Debit Cards
  • Sweep Accounts
  • Upgrade to Payment Processing Package, which includes Business Remote Deposit, ACH Debit and Bill Pay
  • Deposit and clear up to 300 combined items per month with no charge. After that, each additional item is only 10¢
  • Low-cost cash and coin handling—35¢ per $1,000 after the first $10,000 per month3
Compare Growth Checking to Mountain America’s other checking options.
 

Open your account today

Mountain America Credit Union is here to help your business grow and succeed. Meet with a business advisor today to open a Business Growth Checking Account. Schedule appointment online now by clicking the button below, visiting your nearest Mountain America branch or calling 1-888-845-1850.

Get Started
 
  1. No charge for first 10 bills per month, 60¢ per bill over 10.
  2. Simple application required—on approved credit (OAC).
  3. Cash or Coin transaction processing for deposits or withdrawals. Charges are based on aggregated deposits and withdrawals that exceed $10,000 per month.

 

Nonprofit Checking

As a nonprofit organization, you want the maximum amount of funding to go to your cause. That’s why Mountain America offers nonprofit organizations a premium small business checking account, without the standard fees and charges. Consider it our way of paying it forward.
 

Benefits of Business Growth Checking

  • No setup charge
  • No maintenance charges
  • No charge for checks deposited and cleared
  • Free Online Business Banking
  • Bill Pay1
  • Employee Direct Deposit2
  • Business Visa® Debit Card
  • Sweep Accounts
Compare Nonprofit Checking to Mountain America’s other checking options.
 

Open your account today

Mountain America Credit Union is here to help your business grow and succeed. Meet with a business advisor today to open your Nonprofit Checking Account. Schedule appointment online now by clicking the button below, visiting your nearest Mountain America branch or calling 1-888-845-1850.

Get Started
 
  1. No charge for first 10 bills per month, 60¢ per bill over 10.
  2. Simple application required—on approved credit (OAC).

 

Business Sweep Account

A Business Sweep account is a convenient cash management tool that sweeps excess funds between an interest-bearing account and a checking account.
  • No transaction limitations (unless stated in Membership Agreement)
  • Automatically transfers money, based on checking thresholds you set
  • Online Business Banking accessibility
  • Requires an initial deposit of $50,000 to open the sweep account
  • $35 per month service charge
  • Earn dividends at a tiered interest rate, depending on the amount in the account
  • Business Sweep Account Rates

Apply Today

Mountain America Credit Union is here to help your business grow and succeed. Meet with a business advisor today to open a Business Sweep Account. Schedule appointment online now by clicking the button below,visiting your nearest Mountain America branch or calling 1-888-845-1850.

Get Started

Client Trust Account

Your clients have entrusted you with their funds. Make sure the money is safe and earning interest by putting it in a Client Trust Account at Mountain America. We offer Interest on Lawyer Trust Account (IOLTA) and Real Estate Trust Account options to help you serve your clients.

Advantages of a Client Trust Account

  • Keep your clients’ funds safe and separate from your other accounts
  • No minimum balance
  • Interest paid directly to the State Bar Foundation or Association of Realtors
  • No fees charged directly to the trust account
  • Does not auto convert to Growth Checking
  • Monthly service charge can be waived with eStatements enrollment

Interest on Lawyer Trust Account

If an attorney sets up an Interest on Lawyer Trust Account (IOLTA), it is interest bearing. This interest is paid to the Bar Foundation in the state where the attorney is registered. This provides a unique and innovative way to increase access to justice for individuals and families living in poverty and to improve the justice system. Every state offers an IOLTA program. Mountain America offers these accounts in Utah, Idaho and Arizona ONLY. We may consider adding other states to the program in the future.

Real Estate Trust Accounts

Mountain America offers two types of real estate trust accounts: interest-bearing (Utah only) and noninterest bearing (Arizona, Idaho, Nevada and New Mexico). With the Utah-based account, known as the Utah Association of Realtors Housing Opportunity Fund (UARHOF), the interest earned is sent to the Utah Association of Realtors to provide grants to lower-income people needing assistance to get into a home of their own.

Open a Client Trust Account Today

Call Mountain America’s Business Services Team toll-free at 1-888-845-1850.
 

Get the Checking Account that's right for your business.

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