Business Checking

TwinStar Credit Union offers three Business Checking accounts that complement your business needs.

Contact a Business Development Officer for help finding the right account for you.


Innovator

For organizations with limited monthly transactions

  • Monthly Fee
    $5

    (waived for average aggregate balances greater than $500 and non-profit entities)

  • Free Deposits/Checks*
    50
  • Free Cash Deposits**
    Up to $5,000
  • Dividends
    No

Explorer

For growing businesses with higher transaction counts

  • Monthly Fee
    $10

    (waived for average balances greater than $25,000)

  • Free Deposits/Checks*
    100
  • Free Cash Deposits***
    $10,000
  • Dividends
    Yes

Voyager

A complete business checking solution for larger businesses

  • Monthly Fee
    $15

    (waived for average balances greater than $25,000)

  • Free Deposits/Checks*
    250
  • Free Cash Deposits***
    Up to $25,000
  • Dividends
    Yes

* Number of deposited items and written checks free. $0.15 per item thereafter.
**First $5,000 FREE - $10 per month if $5,000 is exceeded.
*** Amount of cash deposits per month free. $0.05 per $1,000 thereafter.


Current Dividend Rates

As of: 2/01/2017
Account Balance Range APY*
Voyager Checking $0.00 - $10,000 0.10%
  $10,000.01 – $50,000 0.15%
  $50,000.01 – $100,000 0.25%
  $100,000.01 and up 0.35%
Explorer Checking $0.00 and up 0.15%
IOLTA Trust Checking $0.00 and up 0.75%

* APY = Annual Percentage Yield. Rates may vary by region. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly. Rates may vary by region. Call TwinStar at 1-800-258-3115 for additional rates. All rates and programs are subject to change at the discretion of administration. Voyager Checking: Business (Explorer or Voyager) Checking Accounts earn dividends. Minimum balance needed to receive dividends. IOLTA Trust Checking: Business (Explorer, Voyager & IOLTA Trust) Checking Accounts earn dividends. Minimum balance needed to receive dividends. Explorer Checking: Business (Explorer or Voyager) Checking Accounts earn dividends. Minimum balance needed to receive dividends.

Cash Management


TwinStar's full-feature online banking solution is designed specifically to provide a tailored and secure online banking experience for businesses. Free to all business members.
Deposit checks from your office 24 hours a day, 7 days a week. Just scan and submit the images to your TwinStar business account. CheckMate saves time and money by eliminating trips to the branch.
TwinStar offers Merchant Card Services with highly competitive rates and fees. We make efficient and timely deposits to your checking account. Merchants can accept Visa, MasterCard, Discover and American Express transactions.
Simplify your payroll process with services from our partner, Genie Payroll. Genie has all the technical capabilities to make your paydays easy and a personal touch the national providers lack.