Business Checking Financial empowerment is in our DNA Point West Business Accounts are designed for the local small business owner seeking stress-free access to the cash flow they need. Combined with face-to-face assistance and online services. Let Point West Business Accounts simplify your day-to-day work. The Benefits of Doing Business with Point West Access to ATMs nationwide You can use nearly nearly 30,000 surcharge-free CO-OP ATMs† nationwide so you always have access to cash when you need it. In-person teller services We have more than 5,000 CO-OP Shared Branches (including over 2,000 self-service locations) in all 50 states, Puerto Rico, Guam, and military bases around the globe. Free ATM Card or VISA Debit Card Free Online Banking Pay your bills online††, access free check imaging and re-order checks. Free Mobile Banking This includes Mobile Check Deposit and free alerts for your accounts. e-Statements Sign up to receive paperless statements each month. Business Flex Checking Type Balance Dividend* APY* *APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month. **Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. ***Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA. Visa Debit Card Holder $0 - $5,000 1.50% 1.489% Visa Credit Card Holder $0 - $15,000 3.00% 2.959% Point West Visa Debit Card member? Earn up to 1.50% APY* on balances up to $5,000 by: Enroll in Online Banking. Enroll in paperless eStatements. Have a minimum $500 Direct Deposit each month. Complete 15 Point West Visa Debit Card transactions during the month** Point West Visa Credit Card member? Earn up to 3.00% APY* on balances up to $15,000 by: Enroll in Online Banking. Enroll in paperless eStatements. Have a minimum $500 Direct Deposit each month. Complete 15 Point West Visa Credit Card transactions during the month.** Investment Services Investment Services at Point West can help you in many areas of your financial life. Schedule your no obligation consultation with Dean Eisenbraun, Financial Advisor and Point West Business Partner, today. Learn About Services Business Services Managing cash flow for your business can be simplified with free online service at Point West. From check imaging, to bill pay, account history and loan payment access, managing your business finances just got easier. Manage Your Business Loans Simplified As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today. Apply Now Disclosures *APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month. **Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. ***Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA. APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends (interest) based on current earnings. Future rates cannot be guaranteed. Dividends are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. Call Member Services at 503.546.5000 for additional service or assistance. Truth in Savings Disclosure. Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including the Speedyline and Online Banking) to another account of yours or to a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club), including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. *$2 fee for mailed paper statements. No fee in enrolled in paperless e-statements. †The first 5 ATM transaction per month are free. A $1.00 fee will be assessed for each CO-OP ATM transaction thereafter. ††Online Bill Pay is provided at no cost for active users. If Online Bill Pay account is inactive for 90 days a $10 monthly fee will be assessed until it is active again. ^Checking account schedule of fees and charges apply. Members must have a minimum balance of $5 in their share (savings) account and be a member in good standing to qualify.