Business checking that works as hard as you do.

Give your business low fees, digital convenience, and everyday access with a checking account designed to help you manage money on your time.

Open Business Account Explore Features

$0 No monthly service fee

Up to 4 Business debit cards per membership

24/7 Online and mobile account access

Business checking built for everyday operations.

Thinkwise business checking is focused on flexibility and convenience. You get no monthly service fee, no minimum balance, no minimum opening deposit, and the digital tools your business needs to stay moving.

No monthly service fee Keep more of your money working inside your business.

Open with SSN or EIN Flexible setup for qualifying business memberships.

Debit card access Up to four business Visa check cards per membership.

Nationwide convenience Access 30,000+ Co-Op ATMs and 5,000+ CU Service Centers.

One straightforward business checking account. A lot of built-in value.

The current Thinkwise business checking page highlights a single business checking account with no monthly service fee, no minimum balance, no minimum opening deposit, debit card access, unlimited check writing, digital banking tools, bill payer access, audio teller access, and nationwide ATM and service center access.

Built for business owners

Business Checking

Low fees, simple setup, and 24/7 account access for your day-to-day business banking.

monthly service fee

No monthly service fee
No minimum balance
No minimum opening deposit
Open an account with an SSN or EIN
Access to Business Visa Check/Debit Cards — up to 4 per business membership
Unlimited check writing
Card controls via your smartphone

Included access and account tools

Manage your account 24/7 using online or mobile banking
Access to Bill Payer service
Access to Audio Teller
Access to over 30,000 Co-Op ATMs nationwide
Access to over 5,000 CU Service Centers nationwide
No overdraft protection available for business checking accounts

Business banking essentials, built in.

This layout keeps the same clean style as your consumer checking page, but it is tailored to the actual business checking features currently listed on Thinkwise’s site. ([thinkwisecu.org](https://www.thinkwisecu.org/business-checking))

24/7 Digital Access

Manage your business account through online banking, mobile banking, and audio teller tools.

Up to 4 Debit Cards

Give approved business users access to debit cards tied to your business membership.

ATM

Nationwide Access

Use more than 30,000 Co-Op ATMs and visit over 5,000 CU Service Centers nationwide.

Bill Pay Tools

Handle business payments more efficiently with included bill payer access.

Why choose Thinkwise for business checking?

Thinkwise business checking combines personalized support, practical day-to-day banking tools, and access to services that help small businesses operate more efficiently.

Local support for small business

Thinkwise is built to support local businesses with personalized service and a relationship-based approach that helps owners get the guidance and responsiveness they need.

Relationship-first business banking

More than just a checking account

Eligible businesses may also access ACH Origination Services upon approval, giving your business another convenient way to manage outgoing payments and treasury activity.

ACH services available upon approval