Advia Credit Union business checking accounts give Michigan and Wisconsin business owners a practical way to manage daily cash flow without excessive fees. Two account tiers cover operations ranging from sole proprietorships processing a handful of monthly transactions to established companies handling hundreds of deposits, payments and payroll disbursements each cycle.
Business Free Checking carries no monthly service charge. Business Plus Checking waives its $10 fee when the account holds an average daily balance of $2,500 and includes 500 free transactions per statement period. Both accounts come with a Visa business debit card, online banking, mobile deposit and ACH origination.
Advia Credit Union provides two business checking tiers designed for small and mid-size enterprises in Michigan and Wisconsin. Business Free Checking includes 250 complimentary transactions each month with no minimum balance and no monthly fee. Business Plus Checking raises that limit to 500 free transactions and waives the $10 monthly charge when the average daily balance stays at or above $2,500. Excess transactions cost $0.25 per item on the Free tier and $0.15 on Plus. Both accounts support ACH origination, wire transfers, remote deposit capture and integration with accounting software. The Small Business Administration recommends separating personal and business finances from day one to simplify tax reporting and protect personal assets.
Choosing a business checking account means weighing transaction volume against monthly costs. Banks in Michigan and Wisconsin typically charge $12 to $20 per month for commercial checking and cap free transactions at 200 or fewer. Advia Credit Union undercuts both thresholds. The Business Free Checking account charges nothing monthly and includes 250 transactions. The Business Plus tier extends the free transaction count to 500 while keeping its fee waivable at a $2,500 average balance that most active businesses maintain as a matter of course.
Transaction counts include checks written, checks deposited, ACH debits, ACH credits, debit card purchases and electronic transfers. Cash deposits up to $5,000 per month are processed at no additional charge on both tiers. Amounts above $5,000 incur a $0.15 per $100 cash handling fee. For businesses that regularly deposit large sums of cash, Advia Credit Union offers armored carrier pickup coordination through a third-party provider at negotiated rates.
Business Free Checking suits startups, freelancers and seasonal operations that process fewer than 250 transactions per month. There is no monthly service fee, no minimum opening balance beyond the $100 initial deposit and no requirement to maintain an ongoing minimum. The account includes a Visa business debit card with daily spending and ATM withdrawal limits that the business owner can adjust through online banking.
Free features include online bill pay, eStatements, mobile check deposit and access to 30,000 surcharge-free ATMs through the CO-OP network. Business owners receive a starter set of 50 business checks at no cost. Reorders follow standard pricing. Night deposit services are available at all 28 Advia Credit Union branch locations for businesses that need to make deposits outside of regular banking hours.
Business Plus Checking targets companies with moderate to high transaction volumes. The 500-transaction monthly allowance accommodates restaurants, retail stores, service contractors and professional practices that move money frequently. When the average daily balance falls below $2,500 in a given statement cycle, a $10 maintenance fee applies. That fee is automatically waived in any month where the balance threshold is met.
Plus account holders receive additional perks that the Free tier does not include. Cashier's checks are issued at no charge, up to four per month. Incoming domestic wire transfers carry no receiving fee. The account also qualifies for Advia Credit Union's treasury management services, including positive pay fraud prevention and ACH origination with same-day processing windows. Businesses that need to send outgoing wires pay $15 per domestic wire and $35 per international wire, both below the regional banking average.
Every Advia Credit Union business checking account connects to the same online and mobile banking platform used by personal members, with additional features built for commercial use. Dual authorization lets business owners require two signers for transactions above a set dollar threshold. Role-based access allows employees to view balances or initiate transactions without full account control. Transaction exports integrate directly with QuickBooks, Xero and other accounting platforms through OFX and CSV file formats.
Mobile deposit through the Advia Credit Union app accepts business checks up to $25,000 per deposit and $50,000 per rolling 30-day period. Funds from mobile deposits post within one business day for checks under $5,000 and two business days for larger amounts. Push notifications alert account holders to deposits received, payments cleared, low balance thresholds and any declined transactions in real time.
Businesses that handle significant cash volumes benefit from Advia Credit Union's deposit solutions. Coin and currency counting machines at every branch process deposits in minutes without manual wrapping or sorting. Smart safe integration is available for retail businesses and restaurants, linking an on-site smart safe to the Advia Credit Union account for provisional credit before armored carrier pickup.
Remote deposit capture extends beyond the mobile app for higher-volume operations. Desktop scanners certified for use with the Advia Credit Union platform process batches of checks at speeds that single-feed mobile deposits cannot match. This service is available to Business Plus checking holders at no additional monthly cost. Scanned checks receive provisional credit on the same business day when deposited before the 4:00 PM Eastern cutoff.
The Internal Revenue Service advises maintaining separate business accounts to ensure accurate recordkeeping and reduce audit risk. Both Advia Credit Union business checking accounts generate detailed monthly statements that categorize transactions by type, making end-of-year reconciliation straightforward.
Transferring a business checking account from another financial institution takes about two weeks when handled methodically. Advia Credit Union's business banking team assists with redirecting direct deposits, updating ACH origination credentials, reordering checks with the new routing and account numbers and closing the prior account once all outstanding items have cleared.
To open a business checking account, bring an Employer Identification Number (or Social Security number for sole proprietors), articles of incorporation or organization, a current business license where applicable and government-issued identification for each authorized signer. The minimum opening deposit is $100. Accounts can be opened at any of the 28 branch locations or by calling (844) 238-4228 to begin the process with a business banking specialist.
Side-by-side details for both Advia Credit Union business checking tiers.
| Account | Minimum Balance | Monthly Fee | Free Transactions | Features |
|---|---|---|---|---|
| Business Free Checking | $100 to open | $0 | 250/month | Visa debit card, mobile deposit, online bill pay, 50 free starter checks |
| Business Plus Checking | $100 to open | $10 (waived at $2,500 avg balance) | 500/month | Free cashier's checks, no incoming wire fee, treasury management eligible, desktop RDC |
| Excess Transaction Fee (Free) | N/A | N/A | $0.25 per item over 250 | Applies to checks, ACH, debit card and electronic transfers |
| Excess Transaction Fee (Plus) | N/A | N/A | $0.15 per item over 500 | Lower per-item cost for high-volume businesses |
| Cash Deposit Allowance | N/A | N/A | $5,000/month free | $0.15 per $100 over $5,000 on both tiers |
| Outgoing Wire (Domestic) | N/A | $15 per wire | N/A | Same-day processing before 2:00 PM Eastern |
| Outgoing Wire (International) | N/A | $35 per wire | N/A | Delivered within 2-4 business days |
Rates and fees effective as of publication and subject to change. Contact Advia Credit Union at (844) 238-4228 for current terms.
Advia Credit Union offers two business checking accounts. Business Free Checking has no monthly fee and includes 250 free transactions. Business Plus Checking includes 500 free transactions and waives its $10 monthly fee when the average daily balance reaches $2,500. Both accounts include a Visa business debit card, online and mobile banking and access to 30,000 surcharge-free ATMs through the CO-OP network.
Business Free Checking includes 250 free transactions per month. Business Plus Checking includes 500 free transactions per month. Transactions beyond the included amount are charged $0.25 each on the Free tier and $0.15 each on the Plus tier. Transactions include checks written, checks deposited, ACH entries, debit card purchases and electronic transfers.
The $10 monthly service fee on Business Plus Checking is waived when the account maintains an average daily balance of $2,500 or more during the statement cycle. Business Free Checking carries no monthly fee at any balance. The minimum opening deposit for both accounts is $100.
Yes. All Advia Credit Union business checking accounts include full access to online and mobile banking. Business owners can view balances, initiate ACH transfers, manage payroll, deposit checks remotely using the mobile app, set up dual authorization for large payments and download transaction reports compatible with QuickBooks and Xero.
Opening a business checking account requires an EIN or Social Security number for sole proprietors, articles of incorporation or organization, a business license if applicable and two forms of personal identification for all authorized signers. Bring these documents to any of the 28 Advia Credit Union branches or call (844) 238-4228 to start the process remotely. The minimum opening deposit is $100.
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