MSU Federal Credit Union

Good for Business

Whether you're an entrepreneur just starting out or an established business owner, MSUFCU has the tools to help your company succeed.

From products and services for day-to-day operations to business loans for expansion projects, MSUFCU is your business's full-service financial institution, providing the personalized service of a credit union.

Get the account that best suits your company's financial needs.

Apply Today

Monthly Complimentary Transactions

Receive up to 500 complimentary transactions each month, depending on your account.

Free Bill Payment

Bill Payment takes the hassle out of paying your monthly bills. Set up payments in ComputerLine to come from your MSUFCU Checking account automatically or as needed. Best of all, Bill Payment is FREE!

Overdraft Protection

MSUFCU offers simple solutions and options to cover transactions when one account has insufficient funds.

24/7 Account Access

Conveniently manage your account with the MSUFCU mobile app, ComputerLine or one of over 30,000 surcharge-free ATMs nationwide.

Business Spartan Saver

Business IMMA

Small Business Checking

Standard Business Checking

Money Market Checking

Activity Business Checking

Business Sweep

MINIMUM BALANCE TO OPEN ACCOUNT

MINIMUM BALANCE TO AVOID A FEE

None

$2,500

$25,000

$10,000

None

MONTHLY MINIMUM BALANCE FEE

None

$15

$25

$20

None

COMPLIMENTARY TRANSACTIONS PER MONTH

100

300

500

None

EXCESS TRANSACTION FEE

$0.25

$0.15

$0.25

DIVIDEND RATE TIER STRUCTURE

Earns Dividends

Non-Dividend Bearing Acct

Earns Dividends

Non-Dividend Bearing Acct

Earns Dividends

ACCT TYPE/OTHER LIMITATIONS

Savings

Transaction

Transaction - No Check Writing/Visa Debit Card

Pay Now

Positive Pay

Merchant Processing

Disclosures

For Business Sweep, a $10 fee will apply if aggregate account balance is less than $25,000.

Account may fall below the Minimum Balance to Avoid Fees more than once during a month, but the fee will be assessed once monthly.

Transactions include: each paper check or ACH deposited into or withdrawn from the account, each cash deposit or withdrawal, and share-to-share transfers. Transactions do not include Visa Debit Card Point-of-Sale (POS), signature-based, or sweep transactions. Bill Payment paper check items are counted as transactions with no additional charge for the first 20 items; thereafter a per item fee will be assessed. See Business Account Fee Schedule for complete list of fees.

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

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