Biz Checking

As a Ideal Credit Union member, you have access to a full range of business accounts and services to meet your needs. Best of all, you'll find our professional staff is always ready with friendly, personal service. Our goal is to help you profit by giving you more for your money.

With a Ideal Business Checking, you'll enjoy:

Find out if your business is eligible for membership at Ideal CU here!

 Optimum Business CheckingSimply Business CheckingCooperative Checking
Minimum Balance Required$2,500$500$0
Monthly Service Fee$10 if balance falls below minimum$5 if balance falls below minimum$0
Interest1Yes - Check RatesYes - Check RatesNo
Transactions and Limitations150 free transactions per month, $0.10 for each additional transaction75 free transactions per month, $0.10 for each additional transaction25 free transactions per month, $0.10 for each additional transaction
Assisted Transfer Fee2$5$5$5
Business Cash & Check Card3Daily Point of Sale (POS) transaction limit is $2,000. 10 FREE non-Ideal CU ATM withdrawals or inquiries per month. $3 for each additional withdrawal or balance inquiry: daily ATM withdrawal limit is $500.Daily Point of Sale (POS) transaction limit is $2,000. 10 FREE non-Ideal CU ATM withdrawals or inquiries per month. $3 for each additional withdrawal or balance inquiry: daily ATM withdrawal limit is $500.Daily Point of Sale (POS) transaction limit is $2,000. 10 FREE non-Ideal CU ATM withdrawals or inquiries per month. $3 for each additional withdrawal or balance inquiry: daily ATM withdrawal limit is $500.
Overdraft Transfer Fee4$5$5$5
Bill PayFreeFreeFree
  1. Annual Percentage Yields (APYs) are subject to change.
  2. Funds transferred within the same member number into your checking account by an Ideal CU Representative on your behalf.
  3. Inactive Cash & Check card fee is $3.00 per card if card is not used at least once per month.
  4. Automatic transfer made from Share Savings when there are non-sufficient funds in your Ideal Business Checking.