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Business Checking Comparison

Get an account that works hard for your business

We know that every business has unique needs. That is why San Mateo Credit Union offers solutions that fit your business. Compare accounts below to find out more about the features and benefits available.

Account Features Business Checking Business Basic Checking Nonprofit Business Checking
This Account is Best For Designed for established businesses with a low minimum opening balance and a monthly service fee of just $15.00 per month. If an average daily balance of $4,000 or more is maintained this monthly fee is waived. The perfect checking account for a growing business and short-term accounts such as class reunions, with a low minimum opening balance and a monthly service fee of just $7.50 With no minimum balance required and no fees, this account is perfect for nonprofit entities.
Monthly Service Fee $15 per month, monthly fee waived if an average daily balance of $4,000 is maintained. $7.50
 
Free
Minimum Opening Deposit $100 $100 $100
Deposits Up to 25 free deposits (branch or ATM), over 25 - $1 per deposit Up to 25 free deposits (branch or ATM), over 25 - $1 per deposit Up to 25 free deposits (branch or ATM), over 25 - $1 per deposit
Deposited Items Deposit up to 150 checks free, over 150 - $0.15 per check deposited Deposit up to 150 checks free, over 150 - $0.15 per check deposited Deposit up to 150 checks free, over 150 - $0.15 per check deposited
Check Writing Write up to 150 checks free, over 150 - $0.25 per check written Write up to 150 checks free, over 150 - $0.25 per check written Write up to 150 checks free, over 150 - $0.25 per check written
ATM Access Free at all SMCU ATMs and over 30,000 CO-OP network ATMs nationwide Free at all SMCU ATMs and over 30,000 CO-OP network ATMs nationwide Free at all SMCU ATMs and over 30,000 CO-OP network ATMs nationwide
Visa Debit Card Free Visa Debit Card and accepted at over 23 million locations worldwide Free Visa Debit Card and accepted at over 23 million locations worldwide Free Visa Debit Card and accepted at over 23 million locations worldwide
Mobile Wallets Register your SMCU card to your preferred device – we offer Apple Pay1, Google Pay2 and Samsung Pay3. Register your SMCU card to your preferred device – we offer Apple Pay1, Google Pay2 and Samsung Pay3. Register your SMCU card to your preferred device – we offer Apple Pay1, Google Pay2 and Samsung Pay3.
Online Banking and Bill Pay Free and simple to use to check balances, transfer money, pay bills, and more Free and simple to use to check balances, transfer money, pay bills, and more Free and simple to use to check balances, transfer money, pay bills, and more
Mobile Banking with Mobile Deposit Free and convenient for banking on the go – you can even deposit a check  Free and convenient for banking on the go – you can even deposit a check  Free and convenient for banking on the go – you can even deposit a check 
Merchant Services Get best-in-class payment prossessing solutions with our partnership at The City POS Get best-in-class payment prossessing solutions with our partnership at The City POS Get best-in-class payment prossessing solutions with our partnership at The City POS
Payroll Services Take the hassle of out payroll with a complete payroll processing solution offered through Paychex Take the hassle of out payroll with a complete payroll processing solution offered through Paychex Take the hassle of out payroll with a complete payroll processing solution offered through Paychex
Account Alerts Free and easy to set up; stay aware of account and card activity to avoid fraud with Alerts and Notifications Free and easy to set up; stay aware of account and card activity to avoid fraud with Alerts and Notifications Free and easy to set up; stay aware of account and card activity to avoid fraud with Alerts and Notifications
Overdraft Protection Free when you set up overdraft protection from your SMCU savings account; paid options available with an SMCU credit card and SMCU Courtesy Pay Free when you set up overdraft protection from your SMCU savings account; paid options available with an SMCU credit card and SMCU Courtesy Pay Free when you set up overdraft protection from your SMCU savings account; paid options available with an SMCU credit card and SMCU Courtesy Pay
 
1. You can use Apple Pay® on eligible iPhones®, iPads®, Apple Watches®, and Macs® (with Safari browser) using the latest operating systems. For a current list of compatible devices and requirements, visit www.apple.com/apple-pay. Apple, the Apple logo, iPhone, iPad, Apple Pay, and Apple Watch are trademarks of Apple Inc.

2. Google and Google Pay are trademarks of Google Inc. Android™ is a registered trademark of Google, Inc.

3. Samsung Pay is compatible with select carriers and Samsung devices. For more information, visit www.samsung.com/us/samsung-pay. Samsung, Samsung Pay, Samsung Galaxy, Samsung Note (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
 
Business Credit Card
Our Business Rewards Visa® Credit Card features low rates and good rewards.

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