people working in small business

Business Checking

The checking account that works hard  for you. 


Everything you need to take care of business when you open an CRCU Business Checking Account.

For your business, you need a checking account that works as hard as you do. At CRCU, our business checking account offers all the features your business needs to stay on top of daily financial management – without all the fees you’ll find elsewhere.

  • Unlimited Online Transactions
  • No service fee with $2,000 average daily balance each statement cycle*
  • 125 free processed checks per month 
  • Federally insured up to $250,000 by NCUA
  • Merchant services available

You'll Benefit from These Great Features:

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MOBILE BANKING
Download our free mobile banking app and you'll have a branch at your finger tips.
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CHIP ENABLED
DEBIT CARD
Shop with your card feeling confident you're protected with strong security.

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SURCHARGE-FREE ATM NETWORK
Locate a CO-OP Network ATM near you. There are over 30,000 surcharge free ATMs across the U.S.
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FREE E-STATEMENTS
Receive your monthly statement securely and conveniently online.
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ALERTS
We'll let you know when checks clear, a transaction is complete and more. Set-up your preferences and stay in the know.


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Access your accounts anytime, anywhere 24/7
with mobile banking!

Login online or download our mobile app — It's your money, we'll keep you connected.

    • Complete Transactions
    • Transfer funds between CRCU accounts
    • Pay bills or your CRCU loan on the fly
    • Check account balances
 

What to know

  • *Monthly service fee of $10 is waived if average daily balance is $2,000.00 or greater
  • NOTE: NO TRANSACTIONS CAN BE DONE AT SHARED BRANCHES
  • Routing Number: 313077513


    How to get yours:

    Open a business checking account at any CRCU branch. Unless otherwise stated in your business agreement/resolutions/bylaws, all owners should be present and should bring:
Account Features for Business Checking Details
Minimum to Open $100
Minimum average daily balance to avoid service charge $2,000
Monthly Service Charge $10
ACH debits/credits processed No Charge
First 125 checks processed per month No Charge
Each additional check processed over 125 $0.25
No earning credit paid. *$2,000 minimum daily balance is required to avoid $10 monthly service fee. Each check over 125 is assessed $0.25 per item fee. No earnings credit paid. Transactions may not be performed at shared branch locations.
Other fees apply as outlined on the Business Account Fee Schedule

Additional resources:

Lee College Small Business Development Center (Baytown)
909 Decker Dr Suite 105, Baytown, TX 77520
(281) 425-6309

Learn More
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Flexible, Easy Access to Your Funds

Access your funds at the ATM or In-Person

Over 30,000 fee-free ATMs in the across the US, plus 5,000+ shared branch locations nationwide.

Learn More

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Have questions? We can help.

Call one of our business services experts at 281.422.3611. 

Cynthia Montoya x3532
Blake Richardson x3533
 
 

Frequently Asked Questions

Is mobile deposit offered?
No, not on business checking.

Can you have more than one authorized signer on a business account? 
Yes, the owner of the account can authorize multiple signers on the account.

Can you open more than one checking share under the same account?
Yes.

What kind of documents are required to open business accounts?
See our required business entity documents here. 

What is the business checking account monthly service fee?
The monthly service fee is $10. We will waive the service fee when you maintain an average daily balance of $2,000.

Where can I find forms required to open the account?
See our required business entity documents here. 

What locations are available to open up my business account?
All CRCU branch locations

Are business accounts subject to ChexSystems approval?
Yes, all account owners and designated account signers are subject to ChexSystems approval.