Checking
Whether this is your first checking account or the last time you want to move one, you’ll discover that Focus One Community Credit Union has the benefits you can grow with – no matter what age or stage you are in life.
Classic Checking
Community Checking
Choice Checking
Teen Focus Checking
Prime Business Checking
Preferred Business Checking
Classic Checking*
- $25 minimum opening deposit
- Low monthly service charge
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Fee waived with direct deposit or
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Fee waived with a $500 minimum average daily balance
- Automatic overdraft from savings and/or line-of-credit**
- Free VISA® debit card with worldwide access
- Free, no fee when accessing Focus One CCU ATMs or COOP Network ATMs
- Free online banking access to your Focus One accounts
- Free 24-hour access to your Focus One accounts with Telephone Teller (audio response system)
- Free bill payment*
- Unlimited check writing
*Monthly inactive fee applies for non use after three months.
Community Checking*
• $25 minimum opening deposit
• Low monthly service charge
• Fee waived with $1,000 minimum average daily balance in checking or
• Fee waived with $7,500 in combined average daily
savings balances.
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Automatic overdraft from savings and/or line-of-credit**
•
Free VISA® debit card with worldwide access
•
Free, no fee when accessing Focus One CCU ATMs or COOP
Network ATMs
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Free online banking access to your Focus One accounts
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Free 24-hour access to your Focus One accounts with
Telephone Teller (audio response system)
• Free bill payment
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Unlimited check writing
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PLUS: 5 Free ATM transactions per month at non Focus One
and COOP Network ATMs***
Choice Checking*
- $25 minimum opening deposit
- Low monthly service charge
•
Fee waived with $10,000 in combined average daily
savings balances
- Automatic overdraft from savings and/or line-of-credit**
- Free VISA® debit card with worldwide access
- Free, no fee when accessing Focus One CCU ATMs or COOP Network ATMs
- Free online banking access to your Focus One accounts
- Free 24-hour access to your Focus One accounts with Telephone Teller (audio response system)
- Unlimited check writing
PLUS:
• Earn dividends with a combined average daily savings balances
of $10,000 or more.
•
Free, unlimited ATM transactions at all ATMs***
•
Free bill payment
TEEN FOCUS Checking*
- Available to teens age 13 to 18 years
- $25 minimum opening deposit
- Automatic overdraft from savings and/or line-of-credit**
- Free VISA® debit card with worldwide access
- Free, no fee when accessing Focus One CCU ATMs or COOP
Network ATMs
- 10 Free ATM transactions per month at non Focus One and
COOP Network ATMs***
- Free, first box of checks
- Free bill payment
- Free online banking access to your Focus One accounts
- Free 24-hour access to your Focus One accounts with Telephone Teller (audio response system)
- Unlimited check writing
- Monthly Statement
- Free gift when account is opened
*All accounts subject to approval.
**Subject to credit approval.
***Does not include service charges by other providers.
Focus One Business Checking
At Focus One Community Credit Union, we strive to provide the best services to all our members, including our business members. Running your own business is a 24-hour a day job-doing your banking at Focus One is quick, easy, and designed just for you. We offer two types of business checking accounts, one that is made for businesses that generally have a moderate number of transactions and the other is perfect for businesses that require high transaction volumes.
Focus One Community Credit Union wants to make sure your banking is as easy and efficient as it can by letting you spend less time on banking needs and more time on running your business.
We have two types of business checking accounts that you can choose from, Prime Business Checking or Preferred Business Checking. Choose the account that best fits your needs and be assured that we will provide you with the service you deserve without the high priced fees you've come to expect from other financial institutions. We guarantee the personal relationship your business deserves.
Prime Business Checking
Prime Business Checking is simple, economical and tailor-made for businesses that generally have a moderate number of monthly transactions. It is the perfect account for start-ups, sole proprietorships or any businesses with low monthly check writing and deposit activity, lower account balances and basic banking needs. This account is designed for smaller businesses with average daily balances less than $20,000 and monthly check writing up to 150 checks.
Preferred Business Checking
Preferred Business Checking serves up extra convenience and is ideal for businesses that require high transaction volumes. It is perfect for businesses with an average daily balance of $20,000 or more and monthly check writing up to 300 checks.
Checking Convenience
We provide the following conveniences with each of our business checking accounts:
- VISA® Check Card - Gives you purchasing power at over 19 million locations worldwide. There are no annual fees, interest or finance charges. The money will be taken directly from your Business Checking Account.
- Online Banking - Whether you want to check your balance or need to see which items have cleared, Focus One offers you FREE 24-hour access to your account information through online banking.
- Free Online bill payment.
- Overdraft protection* also available.
- Free unlimited transactions when accessing Focus One CCU ATMs.
- Direct Deposit payroll can improve the efficiency of your business and provide a convenient alternative for each of your employees.
Please contact a Call Center Representative for a list of documents that may be required for your type of business when opening a Focus One business checking account.
*Available with a low fee.
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