Business Checking Account Rates

Business Checking Account Rates
Business Checking Account Type
Dividend Rate
(as high as)
Annual Percentage Yield
(as high as)
Business Checking Account Type
Business Checking
Dividend Rate
(as high as)
Annual Percentage Yield
(as high as)
Effective December 1, 2023
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The Best Business Checking Account Features

It takes a lot to run a successful business. Properly managing your money is at the core of your success and it all starts with a solid Business Checking Account. Looking for a simple account that is easy to manage? You've come to the right place.

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Customize your account.
Let us know what your business needs and we'll create an account just for you!
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Only $100 to open.
Our account requires $100 to open, but no minimum balance requirements thereafter.
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Surcharge-free ATMs.
Our free Business MasterCard debit card offers access to 55,000 ATMs.
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No monthly fee.
Maintain a minimum daily balance of $1,500 to waive the $7/month account fee.1
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$100 in Uber credits.
Get up to $100 in vouchers from Uber when you spend $200 or more with your Copper State CU Mastercard®.*
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Advertise with Microsoft.
Grow your business and attract more customers with $125 in advertising credits after spending only $10 with Microsoft Advertising. **
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Happy shop owner after using free bill pay with his free checking account.
Save time with free bill pay!
It's accessible 24/7 inside Online Banking.
local partner

Business Checking for Large and Small Businesses

Copper State Credit Credit knows how strong and resilient our business members are. We believe in you and your business! As your local partner, we understand our community and experience the same factors that impact your business.  We are committed to supporting you and all of our Arizona neighbors by offering great products, educational tips and a local team that has your best interest at heart.

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Member since 2008
Frank L.

As my company started to make revenue, I realized that I needed a plan for managing my assets for the future.

I loved the idea of working with a local financial partner like Copper State Credit Union, who understands the marketplace and gives me simple ways to save more.


Merchant Services for Large and Small Businesses

  • Accept digital payments.

    Let your customers decide how to pay. Enjoy fast and easy digital payments from credit and debit cards, mobile phones and tablets.

  • Use our coin counters.

    Get rid of that loose change and save some time by letting us do the counting. Use our in-branch coin counters for a small fee!

  • Make deposits on your schedule.

    Deposit your money on your schedule. Our night drop boxes are available at each of our 8 branch locations!

  • Submit your taxes online.

    Enroll in the Electronic Federal Tax Payment System to pay your federal taxes online or by phone.

Two business woman reviewing merchant services on tablet.
The best Business Checking Account needs the best cash management services.
Whether you are an established business or a new start-up, there are only so many hours in a day to get everything done. Our cash management services are meant to save you time and money, so you can go back to focusing on what is important, your bottom line.
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Hair Salon manager looking at free checking account on iPad.
Business MasterCard® Debit Card

Business Checking with Free Debit Card

The Copper State CU our Business Checking Account comes with a free Business MasterCard debit card. It comes with major benefits! Here's just a few:

• Cash flow and record-keeping tools
• Identity theft protection
• Access to 55,000 surcharge-free ATMs 
• Travel & Insurance Perks
• Additional savings on products and services

Want to learn more? Get in touch, we are happy to go over the details and additional perks.

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Required Documentation

Business Account Opening Documentation

Businesses Will Need To Provide
  • Valid government issued photo identification and Social Security numbers for all individuals that will be authorized to transact business on the account.
  • An Employer Identification Number (EIN) or tax ID number that is registered to your business. Sole Proprietorships may choose to use the owner's Social Security number.
Sole Proprietorship or Partnership
Sole Proprietorship
  • Registration of Trade Name with Secretary of State, or
  • Business License, or
  • Fictitious Name Certificate filed with County Recorder


  • Partnership Agreement (filed & stamped by appropriate state official)
  • Certificate of Limited Partnership if business is a Limited Partnership
  • Registration of Trade Name with Secretary of State, or
  • Business License, or
  • Fictitious Name Certificate filed with County Recorder
Limited Liability Company
  • Articles of Organization (filed & stamped by appropriate state official)
  • Operating Agreement or Member Control Agreement
Non-Profit Organization/Association
  • Articles of Incorporation (filed & stamped by appropriate state official)
  • Organization's Charter/Bylaws, or
  • Board of Directors Minutes Naming Authorized Signers
  • IRS Tax Exemption Letter
  • Articles of Incorporation (filed & stamped by appropriate state official)
  • Corporate Resolution
Unincorporated Association or Club
  • Meeting Minutes, stating instructions for opening the account
  • Charter or Bylaws
Have a Question?

Frequently Asked Questions

How can I open a Business Savings or Checking Account?

Contact us online, over the phone or visit any of our eight branches to open your business savings or checking account today.

Do you offer direct connect to Quick Books?

Yes! This is available through providing online banking credentials.

What fees does the Simple Business Checking Account have?

There is a low $100 opening deposit, but no minimum balance requirements thereafter. When you maintain a minimum daily balance of $1,500, you’ll also waive the $7 monthly account maintenance fee.

Can I accept digital payments from my customers?

Yes! We have a partnership that offers payment services. Contact us today to get in contact with a specialist if you’d like more information on these services.

1Maintain a minimum daily balance of $1,500 to waive the $7 monthly account maintenance fee.
Membership is required.
*Subject to Uber for Business Dashboard Mastercard Introductory Offer Program Terms and Conditions.  See for more details. Offer valid through December 31, 2023.
** For each new Microsoft Advertising customer, a credit of $125.00 will automatically be applied to the customer's Microsoft Advertising account once such customer has spent $10.00 on Microsoft Advertising using a Mastercard Small Business credit, debit or prepaid card. The $125.00 credit will be applied to each participating customer's Microsoft Advertising account after such customer has spent $10.00 in accordance with the Offer terms. Additionally, the $125.00 credit must be redeemed within 90 days of award. Valid in the U.S. for new customers only. A new customer is a customer that has not had an active Microsoft Advertising account before.