Find the right account to manage everyday expenses.
For growing and small businesses.
For mid-sized and large businesses.
Make your money work as hard as you do with savings & certificate accounts.
Benefits and Fees
Value Business Checking
Low Balance Fee (per month): $10.00
Low Balance Fee is waived when you maintain a balance of $2,500
250 transactions per month (combined ACH/check transactions)
Enhanced Business Checking
Low Balance Fee: $30.00
Low Balance Fee is waived when you maintain a balance of $10,000
500 transactions per month (combined ACH/check transactions)
Free bill pay, official checks, and guaranteed checks
Choosing the Right Account for Your Business
Business Privilege Pay covers the overdrafts for eligible business accounts for up to one business checking account. It is a courtesy service covering expenses that can’t be paid when you unintentionally do not have enough funds in either your checking account or other overdraft protection sources. Business members are automatically enrolled into Business Privilege Pay, including business debit card transactions (and those authorized on behalf of the business), sixty days after a new business membership is established. Learn more about business overdraft protection and Privilege Pay
A fee is assessed for each Business Privilege Pay item paid (total items up to a maximum limit of $1,500 including Business Privilege Pay item fees) as set forth in the Business Fee Schedule
. You have 30 days to repay the negative balance however, we will withdraw funds from other business accounts as early as the following day if funds are available to bring the negative balance current.
Overdraft protection from a business savings account is subject to a fee in accordance with the Business Fee Schedule
and to the maximum number of transactions described in the transaction limitations section in HVCU’s Business Account Agreement. You may also want to consider opening a business line of credit
as a source for overdraft protection on your account.
Business/Organization Resolution of Authority Form
Business Account Agreement