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Essential Business Checking

A go-to checking account for small businesses and nonprofits

Manage your money the way you want

No minimum balance

Feel free to maintain any amount you'd like.

No monthly maintenance fee

It's free to keep your Essential Business Checking account active.

Good for lower volumes

Your first 150 transactions are free1 each month.

Working for you

Your balance earns interest at our competitive rate, compounded and credited monthly.

Immediate service

Access 30,000+ surcharge-free ATMs* and 5,600+ Shared Branch locations nationwide.

Anytime access

Monitor your account, pay bills, transfer funds and more through Online Banking and our mobile app.

A perfect fit for your business

You need a straightforward checking account without sacrificing the tech tools and other perks that let you manage your money on your time. With Essential Business Checking, you get everything you want, plus the opportunity for some growth in this dividend-bearing account. There's also a host of convenient services you can access when you open this account:

  • Wire Transfers
  • Night Deposit
  • QuickBooks® Direct Connect
  • Check Imaging
  • Coin Machine
  • Visa® Gift Cards

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

1After 150 items/transactions each month, a nominal fee may apply; see Business Rates & Fees. 
*Some ATM owners may impose a surcharge. Access to surcharge-free CO-OP® Network ATMs available with the Point Breeze Visa® Debit Card only. Surcharge-free means the owners of the physical ATM will not charge a fee, but other fees may apply. Transactions are always free at Point Breeze ATMs when using a Point Breeze ATM or Debit Card. Products subject to change.