Business Checking Accounts

Grow & Reach Your Goals

Whether you’re just getting started or aiming for your next big goal, Greater Nevada Credit Union offers a business checking account designed to support you every step of the way. Find out more about our business accounts or contact us to open one today.

Limited-Time Offer: Your company can earn an easy $200 bonus by opening a new business checking account! No code is needed, plus you’ll also unlock additional offers for Remote Deposit Capture and Online ACH Service.¹

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Find an Account That Fits Your Organization

No two businesses are alike. That’s why we offer three different commercial checking accounts, each with features designed to support your organization’s unique needs and goals. We know you have a lot of options when it comes to business banking in Nevada. Just know that when you become a member-owner with GNCU, you’ll gain access to our other business bank accounts, lending options, special offers, and much more!

Micro Business Checking²

Starting a new business? Working with a tight budget? Put your best foot forward with this commercial checking account that also comes with the latest in Digital Banking technologies.

Open Account Online

Best For

Smaller Businesses

Credits

$0.20 (for every debit card purchase over $25)

Monthly Service Fee

$8 (waived with a minimum daily balance of $1,000)

Per Item Charge (electronic deposit, check deposited, check paid, or ACH debit or credit)

$0.35 (first 100 free)

Cash Processed Fee (per $100 processed)

$0.25 (first $5,000 free)

Simple Business Checking²

Set your sights on growth. This commercial checking account is the perfect option to scale with you, plus the latest in Digital Banking technologies.

Open Account Online

Best For

Growing Businesses

Credits

$0.20 (for every debit card purchase over $25)

Monthly Service Fee

$15 (waived with a minimum daily balance of $5,000)

Per Item Charge (electronic deposit, check deposited, check paid, or ACH debit or credit)

$0.35 (first 500 free)

Cash Processed Fee (per $100 processed)

$0.25 (first $20,000 free)

Analyzed Business Checking²

Large balances? Lots of transactions? Make the most of your money with this commercial checking account geared towards bigger businesses with fully analyzed account statements, plus the latest in Digital Banking technologies.

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Best For

Businesses with Large Balances and High Transaction Activity

Credits

0.07% Annual Percentage Yield

Monthly Service Fee

$20

Per Item Charge (electronic deposit, check deposited, check paid, or ACH debit or credit)

$0.15

Cash Processed Fee (per $100 processed)

$0.25

Explore Business Checking Account Benefits

There are so many benefits to banking with us that it’s hard to name just a few. Discover convenience, flexibility, and the power to manage your money according to your goals.

Free Digital Banking

We understand that you don’t always want to make a trip to a branch. That’s why we made online banking and mobile banking easy to use so you can bank anytime, anywhere you’d like.

Nationwide ATM Access

We partner with other credit unions and ATM providers to extend your access to offer fee-free transactions at over 30,000 ATMs across the U.S. through the CO-OP Shared ATM network.

Debit Card Safety & Security

Take advantage of the GNCU Cards app for complete control of your GNCU Visa Business debit card.

Always On Patrol

Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud and other cutting edge tools.

Replacement Cards

Misplaced your debit card? Not to worry–we’re happy to send you another or issue you one from one of our branches.

Online Check Ordering

Order checks online and stay protected with CheckArmor check fraud recovery.

Frequently Asked Questions (FAQs) About Business Checking Accounts

Opening a business account with a credit union is a little different from opening one with a standard bank–but it also comes with perks and features you won’t find elsewhere. Here’s what you need to know about commercial banking with us.

How do you qualify for a business checking account?

To qualify with Greater Nevada Credit Union, your business has to be registered and have a physical location in Nevada. You must also be an officer or owner, an authorized signer of legal business entities, and a U.S. resident. There are also a few pieces of information you’ll need to gather for your application, including: 

• Legal business name
• Business address
• Business tax ID number 
• Date business was established
• Applicant Social Security number
• Applicant date of birth
• Applicant mailing address 
• Applicant email address

Please be prepared to provide supplemental business documents as requested during your application process or within 5 business days.

What’s the difference between a personal checking account and a business checking account?

The difference between personal and commercial (business) checking accounts comes down to use. Personal accounts shouldn’t be used for business purposes; in fact, business accounts are often specifically designed to offer features and advantages that support business operations.

What’s the difference between a business checking and a business savings account?

A business checking account is designed for daily transactions and operational expenses, while a business savings account is meant for saving surplus funds and earning interest. Checking accounts offer easy access to funds, whereas savings accounts typically have limited withdrawals and higher interest rates.

Is it better to have a business account with a credit union or bank?

When it comes to business accounts, credit unions offer many advantages over traditional banks. As not-for-profits, they typically offer better interest rates and charge fewer fees in the interest of supporting members of their union (as well as members of their community).

Additional Credit Union Business Services

Commercial checking accounts aren’t the only ways we support organizations like yours. Discover a world of business banking services, including merchant services and flexible cash management, created to help you grow and bring you closer to your goals.

Cash Management Services

Merchant Services

Remote Deposit Services

Open Your Account Today

Learn which documents and information you’ll need, pick the account that’s right for you, and kick-start your business’s growth.

Open Account Online

Schedule an Appointment

Meet with us to learn how we’re transforming Nevada businesses’ approach to saving, spending, borrowing, and more.

Book a Branch Appointment

Contact Commercial Services

Questions about business services? Contact us for detailed answers about products, membership, and features.

Contact Us

¹To qualify for the $200 bonus deposit, all accounts must be in good standing after 60 days of account opening. Bonus will be credited to your business checking account within 30 days after the initial 60-day period has passed and all qualifications have been met. Offer is only available to commercial members opening their first business checking account. Additional terms and conditions do apply for the special offers for Remote Deposit Capture and Online ACH Service. Please contact GNCU Commercial Services to learn more. Offer ends on December 31, 2024, may only be combined with the Refer a Business program special offer, and is subject to change or cancellation without notice except as required by law.

²Business checking account rates and fees effective January 1, 2023. GNCU business checking accounts are available to members who are officers or owners and authorized signers of legal business entities. Credits can be earned to a maximum value of offsetting service charges. Excess credits will not be paid or rolled over. View our Business Accounts Fee Schedule to see all fees.