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Fraud Prevention Reminder:

While IBMSECU actively monitors your accounts for potential fraud, please remember that we will NEVER initiate a call or email asking for your card PIN, Online Banking username and password, or full card number. If you have any doubt about the validity of a phone call or email you receive from us, please call our direct number at 800.873.5100 to speak with us immediately.

Business Checking

Business Checking Account

Our Business Checking Account offers:

  • A low $50 opening balance with no minimum balance fees
  • Reduced transaction fees if you have an active Business Loan with IBMSECU**
  • Waived transaction fees with a Business Deposit relationship of $5,000 or more
  • Access to Business eDeposits for high-volume check deposits

Download our Business Account Application today!

Features and Benefits* Business Checking Business Checking with Active Loan Balance** Business Checking with Total Deposit Balance of $5,000 or more
Opening Balance Requirement $50.00 $50.00 $50.00
Minimum Daily Balance $0 $0 $0
Monthly Service Fee No Fee No Fee No Fee
Cash Deposits Per Month
(Rolled Coin and Currency)
No Fee No Fee No Fee
Change Orders Per Month
(Cash or Coin)
$2.50 Per Order $2.50 Per Order $2.50 Per Order
Check Deposits Per Month 1 – 100 / No Fee
101 – 250 / $.20 Per Item
251 & Up / $.30 Per Item
50% Discount No Fee
Debit Transactions Per Month 1 – 100 / No Fee
101 – 250 / $.20 Per Item
251 & Up / $.30 Per Item
50% Discount No Fee
Visa Debit Card Available No Fee No Fee No Fee
Online Banking and Online Bill Paying No Fee No Fee No Fee

*All IBMSECU Business Checking accounts are subject to eligibility, address and identification verification, and qualification. No Dividends are paid on this account. The Credit Union does not accept Interest on Lawyer Trust Accounts (IOLTAs), Irrevocable Trusts, Money Service Businessess (MSBs) Qualified Income Trusts (QITs) for Medicaid recipients, or Political Campaign Accounts. Only businesses owned, operated and registered within the States of Alabama, Florida and Georgia will be accepted. For more information, please refer to Business Account Disclosure or contact a Business Services Advisor at 800.873.5100 or, or visit a branch near you.

**Business Loan must be serviced by IBMSECU.


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