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Business Money Market Checking

Put Your Checking Balance To Work

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Overview

As a business owner, you’ll want a checking account that works as hard as you do. Put your money to work with a Business Money Market Checking account! You can maintain full access to your checking account funds, while earning high-yield, tiered dividends at the same time. Plus, you’ll get access to tools that can make running your business a lot easier, including a free Debit Card, access to Business Online Banking, and more.  View Brochure

Features

Tiered Dividends

Maximize your earning potential with high-yield, tiered dividends on your balance over $1,500. Rates depend on your balance. The higher your balance, the more you earn!

Free Visa Debit Card

Pay the way that works for your business with a free Visa Debit Card with access to over 30,000 ATMs through the CO-OP network.

Unlimited Items Paid Out

No matter how many transactions you make each month, you're covered. Get free items paid out, including ACH, debits, checks, and more.

Business Online Banking and Bill Pay

Have complete access to your business finances no matter where life takes you with free Online Banking and Bill Pay services.

And More...

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Earn More On Your Balance

Free Business Checking with Tiered Dividends

With a Business Money Market Checking account, you won't have to pay additional fees to open and maintain your account. Start with an opening deposit of $1,500 or more, and you can enjoy a flexible checking account that earns high money market dividend rates that will help you reach your business goals faster.

Dividends Compound Monthly

Don't Wait to Receive Your Earnings

With dividends compounded monthly and tiered rates, your Business Money Market Checking account will grow right along with your business!

Rates

View all Rates
As high as APY

My wife and I have basically grown our company 400% in ten years. The credit union has been our partner. When we were a tiny company, they were as nice to us as they are now.

— Raymond – Longview, WA

Why Choose Us?

We’re kind of like a family, only we’re a credit union

A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.

Better rates + low fees = happy members

When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.

In person, virtual, or online

We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!

Your home is our home, so we like to keep it nice

We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.

How it works

Start enjoying your Business Money Market Checking account in three easy steps:

  • 1

    Complete an application

    Apply online or schedule an appointment.

  • 2

    Make initial deposit

    Put at least $1,500 in your account to get started.

  • 3

    Use your account

    Enjoy the benefits of your new Business Money Market Checking account.

Business Money Market Checking Account

Make Your Business Checking Balance Work For You

Get a Business Money Market Checking account and manage all aspects of your business finances.

Open a Business Money Market Checking Account

Looking for something different?

Business Plus Checking

As your business grows, your balance can too! Open a Business Plus Checking account to start earning dividends on your balance of $500 or more.

View Account
Business Basic Checking

Get our checking conveniences for your business with tiered rate dividends on your balance.

View Account
Other Business Services

No matter your need, we've got you covered.

Learn More

BUSINESS INFORMATION

Here’s what you may need to open a business account. If your business is established outside of Washington or Oregon, additional documents may be required showing registration with Washington or Oregon.

  • • Articles of Organization or Operating Agreement
    • Proof of registration and active status with the Secretary of State
    • Business Tax Identification Number (EIN, TIN) issued by the IRS- required for multiple member LLCs
    • Identification and identifying information for all beneficial owners,* members, managers, and authorized signers**
    • Signatures of members, managers, and authorized signers

  • • Corporate Bylaws
    • Articles of Incorporation
    • Proof of registration and active status with the Secretary of State
    • Business Tax Identification Number (EIN, TIN) issued by the IRS
    • Proof of tax-exempt status for non-profits – Certification letter from the IRS
    • Identification and identifying information for all beneficial owners,* officers, and authorized signers**
    • Signatures of officers and authorized signers

  • • Proof of registration and active status with the State’s Business Licensing Office
    • Sole Proprietor SSN
    • Business Tax Identification Number, if applicable (EIN, TIN).
    • Identification and identifying information for sole proprietor and authorized signers**
    • Signatures of sole proprietor and authorized signers

  • • Partnership Agreement
    • Proof of registration and active status with the State’s Business Licensing Office
    • Proof of registration and active status with the Secretary of State
    • Business Tax Identification Number (EIN, TIN) issued by the IRS
    • Identification and identifying information for all beneficial owners,* partners, and authorized signers**
    • Signatures of partners and authorized signers

  • • Proof of chapter registration if part of a large national organization
    • Meeting minutes approved by board or managing committee designating current officers by name, detailing who is authorized to represent the organization to open accounts with the credit union and the level of transacting rights
    • Group Tax Identification Number issued by the IRS, or letter of authorization to use TIN of national organization
    • Identification and identifying information for all officers and authorized signers**
    • Signatures of officers and authorized signers

  • Required documents vary depending on entity type and structure, but may include signed resolution, memorandum, and/or meeting minutes from governing body. Our specialist will work with you to determine what will be needed.

  • In addition to the above, please provide proof of non-profit status. IRS ruling letter 501c (501c letter).

* Beneficial owner includes any individual who, directly or indirectly, either (1) exercises substantial control over a reporting company, or (2) owns or controls at least 25 percent of the ownership interests of a reporting company.
**Identification and identifying information include valid state or government issued ID, social security number, name, date of birth, address, etc.

Account opening and documentation requirements for your business may be different than stated above and may change based on the legal structure of your business. All accounts are subject to approval.

All Rates

Business Money Market Savings & Checking

Rates are effective November 17, 2024 and are subject to change.
Also see terms for accounts.

More Features

Free to Open

You won't have to pay additional fees to maintain your Business Money Market Checking account. There is $1,500 minimum initial deposit to get started, but there are no minimum balance requirements necessary after opening.

No Per-Item Deposit Fee

Make as many deposits as you need without worrying about pesky fees bringing down your bottom line.

E-Statements

Don't wait around for the mail. Get your statements electronically to see all your financial documents in one, easy-to-view place.

Business Visa Credit Card

Save money on business expenses with an optional Business Visa Credit Card that offers great low rates.

Credit and Debit Card Processing

Make it easy for clients to pay for services. Manage your card processing with a vendor you can trust: your friends at Fibre Federal Credit Union!

Financial Tool Integration

No matter how you manage your business finances, get management support that works with online tools like Quicken, Quickbooks, and Mint.

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