PW member smiling and posing for the camera.

Business Checking

Empowering Your Small Business Success

Point West Business Checking Accounts are designed for small businesses, providing seamless access to your funds. Benefit from personalized support and comprehensive online services that streamline your daily financial operations.

Benefits of a Point West Business Checking Account

Security

Overdraft Coverage

Get free Overdraft Protection by linking your Point West Business Savings account.

ATM

30,000+ No-Fee ATMs

Enjoy access to nearly 30,000 surcharge-free CO-OP ATMs† nationwide, ensuring you can withdraw cash whenever and wherever you need.

Transaction Alert

Easy Cash Deposits

Reward

Financial Education Resources

Credit Pathways delivers custom credit-building solutions for small businesses, including rent reporting and credit builder loans to enhance your financial stability.

Computer

Online Bill Pay

Easily send electronic payments to vendors you typically pay by check.

Security

Insured by NCUA

Balances in your Point West accounts are fully insured by the National Credit Union Administration (NCUA).

Compare our Business Checking Accounts

  • Best if you want

    Best if you want

  • Dividend Rate

    Dividend Rate

  • No monthly fee

    No monthly fee

  • No minimum balance

    No minimum balance

  • Automatic payment loan rate discount eligibility

    Automatic payment loan rate discount eligibility

  • Requirements

    Requirements

Business Flex Checking w/ Visa Debit Card

  • Best if you want

    A simple, straightforward savings with hassle-free access to your funds and solid returns.

  • Dividend Rate

    1.50% APY*

  • No monthly fee

  • No minimum balance

  • Automatic payment loan rate discount eligibility

  • Requirements

    • Enroll in Online Banking
    • Enroll in paperless eStatements
    • Minimum $500 Direct Deposit each month
    • Complete 15 Point West Visa Debit Card transactions during the month**

Business Flex Checking w/ Visa Credit Card

  • Best if you want

    An account to maximize your earnings with great returns, enhanced rewards, and a high APY.

  • Dividend Rate

    3.00% APY*

  • No monthly fee

  • No minimum balance

  • Automatic payment loan rate discount eligibility

  • Requirements

    • Enroll in Online Banking
    • Enroll in paperless eStatements
    • Minimum $500 Direct Deposit each month
    • Complete 15 Point West Visa Credit Card transactions during the month.**

Unlock Your Business Potential!

Apply Today!

Disclosures

NCUA

*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 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.