Business Banking Services
Our comprehensive small business banking services suite covers business checking and savings, treasury management solutions, payroll, merchant services, and more.
Solutions to Keep Your Business Moving Forward
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Business Checking Accounts
Give your business a checking account that meets your needs.
Our business checking account includes Visa® Business debit cards, overdraft protection, digital banking and mobile app access.
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Business Savings Accounts
Your employees clock out, but your savings shouldn’t.
Whether you’re looking for higher returns, liquidity or both, our business savings accounts are here to help your cash grow.
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Business Banking Services
Your business requires services that are convenient and add value to your employees.
Unitus offers treasury management solutions, merchant and payroll services and more to keep your business running smart and efficient.
Bringing the community together one small business at a time
Our #PDXunites series is all about local small businesses. They are the economic engine of our communities, and it’s more important now than ever that we show our support. In partnership with Small Shops Big Hearts, we feature weekly #PDXunites giveaways on social media to various local small businesses.
Business Analyzed Checking Account
Offset account fees with one of the industry’s leading tiered Earnings Credit Rates (ECR). The earnings credit generated by your collected balances can be used to help reduce or offset eligible treasury management service charges, allowing your business to maximize the value of its operating funds.
Business Analyzed Checking Features and Benefits
- Designed for businesses with higher transaction activity
- Flexible treasury management solutions to support cash flow needs
- Dedicated and experienced support team
- Detailed account analysis statement for transparent service and fee reporting
- Provides the foundation for a comprehensive treasury management strategy
Speak with a Business Banking Specialist
Our team can help determine if Business Analyzed Checking is the right fit for your organization and identify treasury management solutions tailored to your operational needs.
Schedule a Treasury Management Consultation
Business Basic Checking
- No Minimum Balance
- No Monthly Service Fee
- Checks Paid – $0.15 per check (first 75 free)
- Checks Deposited – $0.15 per check (first 75 free)
Business Interest Checking
- Earns Interest
- $3,000 Daily Minimum Balance
- $10 Monthly Service Fee (waived with $3,000 min. daily balance)
- Checks Paid – $0.15 per check (first 150 free)
- Checks Deposited – $0.15 per check (first 150 free)
What You Will Need to Open a Business Checking Account
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- Employer Identification Number (EIN)
- Business organizational filing documents, either physically or digitally*
- All principals and authorized signers at the account opening, so that Unitus may verify signatures
- For each account owner and signer:
- Primary form of ID, usually a valid driver’s license with a current address. If address is not current, bring a document such as a utility bill showing your current address
- Secondary form of ID, usually a debit or credit card from another financial institution
- A business membership opening deposit of $115 ($5 for the business prime share, a $10 one-time membership fee, and $100 to open your business checking account)
- If a tax-exempt organization, a copy of the IRS 501(c) (3) approval letter
As the owner of Bread & Honey Cafe, I’ve always loved Unitus. As soon as they moved into the neighborhood they have been the most supportive people. I feel like they really understand how hard it is to be a small business.
Business Savings Accounts
A smart savings plan helps to protect your business against uncertainty while earning competitive rates. Unitus offers a range of flexible savings options for your business.
Money Market Accounts
Earn higher interest rates on higher balances while keeping your funds flexible.
- No limit on withdrawals
- No fee if daily minimum balance is at least $10,000; otherwise $5 per month
- No limit on deposits
- Competitive rates
Certificates of Deposit (CDs)
Great if you don’t need immediate access to your money.
- Immediate interest accrual
- Monthly compounding interest; earned penalty-free
- Terms ranging from six months to five years
- Competitive rates
Additional Business Savings Options
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A Unitus SEP IRA1 allows self-employed business owners to:
- Make contributions with higher limits than an IRA
- Get tax-deferred earnings until age 70½ when all withdrawals are subject to taxes
- Make contributions that are tax–deductible
- Lower your income tax liability in the current year
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The perfect complement to your business’s affordable high deductible health plan.1
- HSA funds do not expire; they grow tax-free through dividend earnings, like an IRA.
- Automatic payroll deductions can help you fund your HSA
- An HSA debit card
- Competitive rates
As the manager at Cloak & Dagger Barber Co., we love banking with Unitus because we know they support small businesses like us, and the community.
Let's Get Started. Open Your Business Account Today.
Our Business Banking specialists can help you identify the right account solutions for your business. Contact us today to learn how our business accounts can provide convenience, flexibility, and support your financial goals.
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Email Us
Send us an email and we’ll get back to you shortly.
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Make an Appointment
Choose what works best for you; virtually or at a branch.
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Not a Member Yet?
Join and open your membership account today.
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