MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Business | Checking & Savings

Business Checking & Savings Accounts

 

MSUFCU offers you a variety of checking and savings options to meet the needs of your business. Whether you're just getting started or have been in business for a while, we have the tools to help you succeed.

 

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Use our account comparison chart as a guide to find the best accounts for your business.

 

 

Minimum Balance to Open Account

Minimum Balance to Avoid a Monthly Fee

Minimum Balance Fee

Number of Complimentary Transactions Per Month1

Excess Transaction Fee2

Dividend Rate Tier Structure3

  Account Type / Other Limitations

Business Spartan Saver

$5

None

None

25

$0.25

$0

Savings Account

Business IMMA

$0

None

None

25

$0.25

$2,000 - 9,999; $10,000 - 49,999
$50,000 - 99,999;
$100,000+

Savings Account

Small Business Checking

$0

None

None

100

$0.25

This is a non-dividend bearing account

Transaction Account

Standard Business Checking

$0

$2,500

$15

300

$0.25

This is a non-dividend bearing account

Transaction Account

Money Market Business Checking

$0

$25,000

$25

500

$0.25

$25,000 - 49,999
$50,000 - 99,999;
$100,000+

Transaction Account

Activity Business Checking

$0

$10,000

$20

0

$0.15

This is a non-dividend bearing account

Transaction Account

RSO
Checking
4
$0 None None N/A None

This is a non-dividend bearing account

Transaction Account4

Business Sweep

$0

None

None

25

$0.25

$2,000 - 9,999; $10,000 - 49,999
$50,000 - 99,999;
$100,000+

Transaction Account;
No Check Writing. No Visa Debit Card

 

1 Transactions include each check deposited, check cleared, and other debits and credits. Transactions do not include Visa Debit Card POS and/or signature-based transactions, or sweep transactions. Bill payment paper check items are counted as transactions with no additional charge for the first twenty (20) items; thereafter a per item fee will be assessed. See the Business Account Fee Schedule for a list of fees.

2 Transactions over the number of complimentary transactions will be assessed the excess transaction fee.

3 See the credit union's Business Dividend Rate Schedule.
 

4 The Registered Student Organization (RSO) Checking is available to student organizations registered with MSU and who appear on the list of Student Groups on MSU’s website.
Should the RSO’s registration with MSU lapse and we become aware of the status change, the RSO checking account will be converted to a Small Business Checking. The RSO will also
be required to provide an Employer Identification Number (EIN) for tax reporting purposes. At least one student registered with the organization through MSU must be on the account as a
Responsible Individual.  An Advisor is required and must be the person registered as such with the student organization on the MSU Student Group website. All individuals on the account
must sign and all personal accounts must be in good standing. MSUFCU will notify the Department of Student Life of any RSO account not held in good standing.

 




Business Checking Accounts




Business Savings Accounts