Business Checking and Savings Options

Checking & Savings Solutions for Your Business

From day-to-day transactions to long-term growth strategies, Arize offers business deposit accounts that keep your money working efficiently while providing the flexibility to manage your cash flow.

Account	Best For	Monthly Fee	Opening Balance	Business Advantage
Business Essential Checking	Everyday cash flow & payments	$0	$0	Streamline transactions with unlimited check writing, online & mobile banking, bill pay, and a Mastercard® debit card.
Business Basic Savings	Required membership & reserve funds	$0	$5	Establish membership and earn dividends on balances over $100 while keeping funds liquid.
Insured Plus Savings	Large liquid balances with expanded protection	$0	—	Market-based yield, real-time access to funds, and multi-million-dollar insurance coverage through FDIC/NCUA network.
Certificates	Long-term growth & guaranteed returns	$0	$500–$1,000	Establish membership and earn dividends on balances exceeding $100 while maintaining liquidity.

Efficient checking is built to support daily operations with no hidden costs.

Key Features

No monthly service charge
No minimum balance requirements
Dividends on balances of $100+
Unlimited check writing
Free online banking, bill pay & eStatements
Free Mastercard® debit card
Nationwide ATM access (no Arize fee; other institutions may surcharge)

Why it matters: Manage payables and receivables seamlessly without worrying about fees or balance thresholds.

A simple savings account that secures membership and helps you set aside operating reserves.

Key Features

Dividends on balances of $100+
Online access & eStatements
$5 share deposit required and retained for membership

Why it matters: Keep surplus cash safe and accessible while maintaining your credit union membership.

Liquidity for larger balances with added peace of mind.

Key Features

Market-driven yield with no additional fees
Real-time access to deposits—no withdrawal limits
Multi-million-dollar insurance coverage via FDIC/NCUA network

Why it matters: Ideal for businesses holding high balances that need both immediate access and expanded deposit protection

INSURED PLUS RATES

SAVINGS BALANCE	APY	DIVIDEND RATE
$0-$249,999.99	0.00%	0.00%
$250,000.00+	2.40%	2.40%

Rates are quoted as annual percentage yield (APY). Fees could reduce earnings. Rates are subject to change after account opening. APY is accurate as of 04/01/2025.

Additional deposit and account rates are listed here

TERMS AND CONDITIONS

Select a link below for more information and full details about the Insured Plus Accounts

INSURED PLUS SAVINGS TERMS & CONDITIONS INSURED PLUS PARTICIPATING FINANCIAL INSTITUTIONS

Predictable, guaranteed returns to help you plan with no early withdrawal penalties.

Key Features

High, fixed dividend rates for set terms
Flexible terms starting at $500–$1,000
No monthly service charges
Quarterly or maturity dividend payout options

Why it matters: Lock in rates to grow your reserves with confidence while matching terms to your business planning cycle.

View Current Certificate Rates

Contact the Arize Team to Learn More.

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