Business Checking
Earn $400‡ when you open a new business checking account.
Receive the $400 bonus, when you:
- Open a new checking account by November 30, 2026.
- Maintain an average daily balance in the checking account of at least $5,000 between the 60th and 90th days after account opening.
Banking That Works the Way You Do
Running a business means balancing a lot at once—people, priorities, and the unexpected. We’re here to make the financial side feel simpler, so you can spend less time managing money and more time running your business.
At APGFCU, you get more than an account. You get a partner who understands what it takes to build something and is ready to help you every step of the way.
Business Checking, Built Around Your Day-to-Day
Whether you’re just getting started or managing a high volume of transactions, our accounts are designed to keep things running smoothly.
All of our business checking accounts include:
- Mobile Banking for Business†
- Remote Deposit
- Visa® Debit Card
- APGFCU@Work Workplace Banking
- Online Banking for Business with Bill Pay
- Online Statements
Plus, additional services like Merchant Services to support how you work.
†Message and data rates may apply. Contact your mobile carrier for details.
Find the Right Fit for Your Business
Business Essentials Checking
A straightforward account that keeps things simple and predictable.
Start with the basics done right—no unnecessary hurdles, no added complexity. This account gives you the tools to manage your day-to-day operations with ease.
Account Highlights
- Enjoy easy access to your funds, convenient digital banking tools, and the flexibility to handle your day-to-day transactions with confidence.
- No minimum balance requirements or monthly maintenance fees.
- No charge for up to 75 deposited and cleared items per month.††
Open an Account
To open a Business Essentials Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Business Advantage Checking
Tailored for businesses with more activity—and bigger demands.
When your business needs more flexibility and capacity, this account helps you keep everything organized and within reach.
Account Highlights
- Unlock a high-capacity checking experience with access to additional services and features.
- $20 monthly fee can be waived if you maintain a combined monthly average deposit and monthly loan balance of at least $50,000 on your business membership.
- No charge for up to 300 deposited and cleared items per month.††
Annual Percentage Yield
0.40%*
Dividends are compounded and credited monthly on the daily balance. *See all business account rates, terms, and disclosures.
Open an Account
To open a Business Advantage Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Not-for-Profit Business Checking
Designed to support organizations that serve others.
You’re focused on making an impact. We’re here to make sure banking supports that mission—not distracts from it.
Account Highlights
- Focus on your mission—not banking fees. Enjoy no monthly maintenance fees.
- No charge for up to 300 deposited and cleared items per month.††
- Certification of 501(c) required.
Annual Percentage Yield
0.40%*
Dividends are compounded and credited monthly on the daily balance. *See all business account rates, terms, and disclosures.
Open an Account
To open a Not-for-Profit Business Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Veteran Business Checking
Created in recognition of those who have served.
Developed to support veteran-owned and active-duty businesses, this account helps keep your focus where it belongs—on running your business.
Account Highlights
- Focus on your mission—not banking fees. Enjoy no monthly maintenance fees.
- No charge for up to 300 deposited and cleared items per month.††
- Built for businesses owned by veterans or active-duty military.
Annual Percentage Yield
0.40%*
Dividends are compounded and credited monthly on the daily balance. *See all business account rates, terms, and disclosures.
Open an Account
To open a Veteran Business Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Perks and Benefits
We're committed to providing a comprehensive suite of products, services, and support designed to help businesses succeed. Opening a business checking account unlocks many tailored benefits to support your financial goals:
Online & Mobile Banking
Manage your finances on the go with our secure mobile banking app and online portal.
Personalized Service
Experience tailored solutions and one-on-one support from our dedicated team.
Community Focus
We're vested in the success and growth of local businesses in our community.
Federally Insured
Your deposits are secure and backed by the full faith of the federal government.
Compare Our Business Checking Accounts
Overview/Best Suited For
Account Fees
Monthly Transactions
Additional Features
††Additional items will be charged $0.30 per item.
1For our current business dividend rates, visit apgfcu.com/BusinessRates. For a complete list of service fees, visit apgfcu.com/Business Price List.
Business Checking FAQs
- Is my money safe in an APGFCU business checking account?
Yes, your funds are secure with APGFCU. The National Credit Union Administration (NCUA) insures each account for up to $250,000. You’ll have peace of mind knowing your money is safe and sound.
- What types of businesses can open an APGFCU business account?
We welcome businesses of all sizes and types! Whether you are a local shop owner, a large corporation, or a non-profit organization—we have a business checking account to suit your needs. APGFCU will do what it takes to be a trusted partner and enable your business to grow.
- What are the benefits of opening a business checking account at a credit union?
Credit union business banking comes with several advantages over traditional financial institutions. You’ll often find lower fees and a more personalized approach to customer service. Credit unions also offer highly competitive dividend rates on business savings accounts, VISA® credit cards, and commercial real estate loans.
- Do APGFCU business checking accounts earn dividends?
Yes, APGFCU's Business Advantage, Not-for-Profit Business, and Veteran Business checking accounts offer a competitive dividend rate. This is a valuable feature for business owners looking to maximize their financial returns.
Our Business Essentials checking account does not offer dividends.
- Do you offer a business checking account for small businesses?
Yes, we offer Business Essentials Checking account that has no monthly maintenance fees. This account is a great option for small businesses or for those just starting. It includes features such as online and mobile banking, bill pay, and a business Visa® debit card.
More Ways to Save, Earn and Borrow
Business Savings
Maximize your business's savings potential with our competitive rates and flexible account options.
Cash Management and Business Services
Streamline your operations with our comprehensive cash management tools and support services.
Business Loans
Fuel your business growth with our diverse lending solutions and competitive credit cards.
Let’s Get Started!
Every business runs differently. We’ll help you find the account—or combination of accounts—that fits yours.
Business Checking Disclosures
‡Offer is for new and existing business members without a checking account only. Account owner may not have closed a checking account with APGFCU at any time on or after September 1, 2025, to qualify for this promotion. New Business Essentials Checking, Business Advantage Checking, Not-For-Profit Business Checking, and Veteran Business Checking accounts opened on or after September 1, 2026 and on or before November 30, 2026, may qualify for a $400 cash bonus if the account meets the following qualification: maintain an average daily balance of at least $5,000 in the checking account between the 60th and 90th days after account opening.
Offer cannot be combined with any other offers and does not apply to second or multiple checking accounts. If you meet all the terms of this offer, the bonus will be credited to your checking account on the first business day following the end of the 90-day Qualification Period. Limit one bonus per member. Fees may apply for early closure of the checking account. Offer may be extended, modified, or discontinued at any time without prior notice at the credit union’s discretion. Any applicable taxes are the responsibility of the recipient. The checking account must remain open for a minimum of 90 days and all accounts associated with the membership must be in good standing (see “All About Your Accounts” agreement) to receive the bonus. Offer expires November 30, 2026.
Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. Rates may change after account opening. Fees may reduce earnings on accounts. APY for a Business Advantage Checking account is 0.40% APY and there is a $20 monthly maintenance fee that can be waived if you maintain a combined monthly average deposit and monthly loan balance of at least $50,000 on your business membership. APY for a Not-for-Profit Business Checking account is 0.40% APY. APY for a Veteran Business Checking account is 0.40% APY. Business Essentials Checking is a non-dividend bearing account. No monthly maintenance fees for Not-for-Profit Business, Veteran Business, and Business Essentials checking. No minimum balance requirements or minimum to open business checking accounts. Additional transaction and service charges may apply.