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Business Interest Checking
Features Include:
- Competitive interest
- 1,000 free monthly transaction items
- Up to $10,000 currency deposited per month with no charge
- Only $50 deposit to open
- $1,500 minimum balance to avoid a low monthly fee of $8
- Free detailed analysis of account activity
To open your Business Checking account, download the application and bring it into an American First branch with your required documentation.
Every Checking Account Includes:
- Membership Benefits
- 24/7 Online & Mobile Banking
- Mastercard Debit Card
- Early Direct Deposit
- uChoose Rewards®
- Send & Receive Money with Zelle®
- 30,000+ Free CO-OP ATMs & Shared Branch Access
- Free Bill Pay Service
- Free eStatements
- Telephone Banking
- Mobile Check Deposit
- Overdraft Services
Business Checking Rates
As of 07/25/2025
| Account | Opening Deposit | APY |
|---|---|---|
| Totally Free Business Checking |
$50 |
N/A |
| Business Interest Checking |
$50 |
0.05% |
The APY (Annual Percentage Yield) is subject to change without notice. Minimum balance to earn APY is $0.01 for checking accounts that earn dividends. Fee could reduce earnings. Refer to Schedule of Fees & Services for details.
A one-time $5 lifetime membership fee applies. We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. 1Transaction items include all debits and credits. If the Totally Free Business or Business Interest Checking account exceeds 1,000 free monthly transactions, the account will be charged $0.15 per transaction over 1,000. ^Includes coin and currency. If the Totally Free Business or Business Interest Checking account exceeds $10,000 in monthly coin and currency deposits, the account will be charged $1.00 for every additional $1,000 in coin and currency. *Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
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