Your business checking account should do more than hold your money. Members Trust Federal Credit Union offers business checking and banking services designed to help local business owners manage everyday finances, pay employees and bills, organize accounting, and keep business finances moving efficiently.
Whether you operate a small business in Houston, Stephenville, or the surrounding Texas communities, our business banking services give you convenient tools and personal support from a credit union that understands the importance of local businesses.
All checking accounts feature:
- No per check fees and unlimited check writing
- FREE Online Account Access
- FREE Online Bill Pay
- Debit Card Access with approval
- Optional Overdraft Protection (from savings)
- Overdraft Privilege (with approval)
Members Trust Federal Credit Union is proud to provide Free Checking to our members. It’s absolutely free - zero, zilch, nada! With a Members Trust Free Checking account, you’ll also enjoy the following benefits:
- No minimum balance requirements
- No monthly service charges
- No per check fees
- Unlimited check writing
Having money is a good thing. Having money in a Members Trust Dividend Checking Account is even better. A Dividend Checking Account will let you keep a flexible cash flow, all while earning high dividend rates. Much like a savings account, your Members Trust Dividend Checking Account is designed to help you save because you’ll earn dividends on average daily balances of $1,000 or more.
Overdraft Services
With Members Trust Overdraft Services, you know that your transactions will be covered. We offer two overdraft services to help you manage your checking account. Both services are optional and there are no enrollment fees. If you are enrolled in both services, we will use Overdraft Protection first, which has a lower fee, to cover your overdraft.
Overdraft Protection
With Overdraft Protection, we will automatically transfer available funds from your selected Members Trust account to cover your transaction if you don’t have enough money in your checking account. There is no fee to sign up for Overdraft Protection and a single Overdraft Protection transfer fee would be charged, only when we transfer funds. See our current fee schedule for the current Overdraft Protection fee. Overdraft Protection provides the extra peace of mind for your checking account.
Overdraft Privilege
As a benefit to our members, we offer a useful feature on our Checking accounts - Overdraft Privilege. With Overdraft Privilege, we will pay your non-sufficient funds (NSF) checks, ACH transactions (and optional check card transactions) and fees up to a preapproved limit. There is a set fee per overdraft item but this service saves you time, embarrassment, and the additional fees charged by many other companies. Overdraft Privilege is available to members with accounts in good standing and available limit on their Overdraft Privilege option. Members are required to restore a positive balance in their checking account, within 45 days or the account will be closed and sent for collection.
Business Banking Tools That Work for You
Manage Payroll with ACH
Make managing payroll easier by creating your own payroll transactions through ACH. Business members can use ACH capabilities to send payroll directly to employees, helping simplify recurring payments and reduce the time spent managing payroll manually.
Give Your CPA or Bookkeeper Account Access
Need someone else to help manage your business finances? You can add additional users to your business account with designated view permissions. This can make it easier for your CPA, bookkeeper, or other trusted financial professional to review account activity without giving them full access to your account.
Pay Business Bills Online
Save time managing recurring business expenses with business bill pay. Pay vendors and other business bills online instead of writing checks or managing multiple payment methods. It’s a convenient way to keep your business payments organized and accessible through online banking.
Connect to Quicken and QuickBooks
Keep your business finances organized by connecting your Members Trust business accounts directly to Quicken or QuickBooks. Easily bring account information into the financial management software you already use for bookkeeping, budgeting, and business financial records.
Create Wires for Business Payments
When your business needs to send a wire transfer, you can create wire transactions through your business banking access for review and approval by Members Trust staff. This provides a convenient way to initiate business wire payments while maintaining an additional layer of review.
Business Checking for Houston & Stephenville Businesses
From managing payroll and paying vendors to working with your accountant and keeping financial records organized, Members Trust provides business checking services that help make everyday business banking easier.
We're proud to serve local businesses in Houston, Stephenville, and surrounding Texas communities with business checking accounts, business savings, business loans, and other financial services designed to support your business at every stage.
Ready to make business banking easier?
Open a business checking account with Members Trust or contact our team to learn more about business banking options for your company.
Business Checking FAQs
At Members Trust Federal Credit Union, your business isn't just another account number. We take the time to understand your needs and provide personalized service along with the digital banking tools you need to manage your business finances.