- Learning Hub
- Free Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Notary Services
- Dundalk Branch
- Perry Hall Branch
Presidents' Day Closure
We will be closed on Monday, February 16, for the Presidents' Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Tuesday, February 17.
Business Checking
Where Business Meets Banking
At APGFCU, we understand the demands of running a business, which is why we provide business checking accounts equipped with features to streamline your financial operations and save you time.
All of our business checking accounts include the following:
- Mobile Banking for Business†
- Remote Deposit
- Visa® Debit Card
- APGFCU@Work Workplace Banking
- Online Banking for Business with Bill Pay
- E-Statements with check image
Additional services available:
- Merchant Services
Explore our business checking account options below to find the best fit for your needs.
†Message and data rates may apply. Contact your mobile carrier for details.
Earn $350‡ when you open a new business checking account.
Receive the $350 bonus, when you:
- Open a new checking account by March 31, 2026
- Have an average daily balance in the checking account of at least $5,000 between the 60th and 90th days after account opening
Savings Accounts
This account is ideal for smaller or newer businesses and offers a convenient way to manage savings.
Account Highlights
- Save for taxes or capital improvements
- Deposit or withdraw funds at any time
Annual Percentage Yield
0.20%*
Dividends are compounded and credited quarterly on the daily balance. *See all business account rates, terms, and disclosures.
Business Plus Checking
Business Plus Checking offers flexibility and cost savings for businesses with higher transaction volumes.
Account Highlights
- Deposit large amounts of cash each month without additional costs.††
- Process a high volume of checks with generous allowances.
- Benefit from competitive dividend rates to maximize your funds.
- Access robust tools to streamline your financial operations.
Annual Percentage Yield
0.05%*
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 Plus Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Premium Business Checking
Experience a premium level of business banking that rewards high-volume transactions and balances.
Account Highlights
- Unlock a high-capacity checking experience with no fee for monthly currency deposits up to $35,000.
- No charge for up to 325 deposited items and 175 cleared items.†††
- Earn competitive dividends with our tiered rates.
Annual Percentage Yield
Annual Percentage Yield as high as
0.45%*
For balances $25,000 and above.
Dividends are compounded and credited monthly on the daily balance. *See all business account rates, terms, and disclosures.
Open an Account
To open a Premium Business Checking account, visit one of our branch locations or schedule a branch appointment. For more information, call 410-272-4000.
Not-for-Profit Checking
Empower your organization's mission with a checking solution designed specifically for not-for-profit organizations.
Account Highlights
- Focus on your mission—not banking fees. Enjoy no monthly maintenance fee and unlimited currency deposits.
- Streamline your operations with no charge for night drop deposits, making it easy to manage your cash flow.
- Process transactions efficiently, with no charge for up to 325 deposited and 175 cleared items.
- Earn competitive dividends with our tiered dividend rates to support your organization's growth.
Annual Percentage Yield
Annual Percentage Yield as high as
0.45%*
For balances $25,000 and above.
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 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:
Competitive Rates
Earn more on your balance with a high annual percentage yield (APY).
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.
Local Expertise
Tap into our deep understanding of the local business community and economy.
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
Account Fees
Currency Deposits
Monthly Transactions
Additional Features
1$10.00 monthly fee if daily balance falls below $1,000.
2$15.00 monthly fee if daily balance falls below $10,000.
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.
- Do APGFCU business checking accounts earn dividends?
Yes, APGFCU's Premium and Not-for-Profit credit union business checking accounts offer competitive dividend rates. The specific annual percentage yield (APY) varies depending on the account type and balance tier. This is a valuable feature for business owners looking to maximize their financial returns.
- 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 you offer a business checking account for small businesses?
Yes, we offer a Basic Business Checking account. It has no monthly maintenance fees if you maintain a minimum balance of $1,000. 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.
Need Help with Business Checking? Get in Touch!
For more information about or help with business checking accounts…
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 January 5, 2025, to qualify for this promotion. New Premium Business Checking, Not-For-Profit Checking, Business Plus Checking, and Basic Business Checking accounts opened on or after January 5, 2026, and on or before March 31, 2026, may qualify for a $350 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 day 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 March 31, 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 Basic Business Checking account is 0.05% APY and there is a $10 monthly fee if the daily balance falls below $1,000. APY for a Business Plus Checking account is 0.05% APY and there is a $15 fee if the daily balances falls below $10,000. For Premium Business Checking: Accounts with average daily balances of $0 - $9,999.99 will earn an APY of 0.35%, accounts with average daily balances of $10,000 - $24,999.99 will earn an APY of 0.40%, and accounts with average daily balances of at least $25,000 will earn an APY of 0.45%. The Premium Business Checking Account has a $20.00 monthly fee. For Not-for-Profit Checking: Accounts with average daily balances of $0 - $9,999.99 will earn an APY of 0.35%, accounts with average daily balances of $10,000 - $24,999.99 will earn an APY of 0.40%, and accounts with average daily balances of at least $25,000 will earn an APY of 0.45%. The Not-for-Profit Checking Account has no monthly maintenance fees. No minimum balance requirements or minimum to open checking accounts. Additional transaction and service charges may apply.