Smart Solutions for Your Business Finances

From field to storefront, office to workshop, your business deserves deposit accounts that work as hard as you do. At Simplicity CU, we proudly serve local businesses—including farms and ag operations—with flexible, no-fuss options like checking, money market accounts, savings, and share certificates.

Whether you're managing seasonal cash flow or planning for long-term growth, we’ve got the tools to help you stay on track and moving forward.

Get Started with Jenna

Jenna

Jenna Czaikowski
Business Deposit Relationship Manager

Business Checking Accounts

Business Checking
  • No minimum balance
  • No monthly fee
  • Debit card/ATM access
  • Online banking access
  • Mobile banking/mobile check depositB
  • SimpliPay 
  • Overdraft account link options
  • Unlimited check writing/transactions
  • Tiered to earn interest (coming soon)
  • Rates
Business Money Market Checking
  • Minimum balanceA - $1000
  • Unlimited transactions
  • Tiered Interest (see rates)
  • Monthly fee - $5.00/each month balance falls below $1,000
  • Debit card/ATM access
  • Online banking access
  • Mobile banking/mobile check depositB
  • SimpliPay 
  • Rates
Disclosures
  • A Dividend accounts earn dividends on balances over $1000. Money Market account earn dividends on balances over $25.
  • B Mobile Banking and Mobile Deposit terms and conditions apply.
  • Review the terms and conditions for full account details.

Business Saving Accounts

Business Savings
  • No minimum balance
  • Earn Interest .10%
  • Unlimited withdrawals
  • Online banking access
  • Mobile banking/mobile check deposit1
  • Link as overdraft option
  • Monthly fee - $0/month
  • Rates
Business Share Certificates
  • Higher interest ranging from 6-months to 5 years
  • Rates
Disclosures

 

  • 1Mobile Banking and Mobile Deposit terms and conditions apply.
  • No dividend is paid if an account is closed prior to the dividend pay date.  
  • All rates are subject to change without notice at the discretion of Simplicity Credit Union. Please contact Simplicity for verification of current rates.
  • Complete disclosures will be provided at your request or when you open your account. See terms and conditions for full account details. All information herein provided is subject to change.

Online Account Opening

The online account opening process only takes a few minutes.

Gather the following items beforehand based on your business type in order to help the application go as quickly as possible:
     • Social Security Number
     • Government-issued Identification
     • Account number (if ACH transferring funds from another account)
     • Member number (if current member)

Sole Proprietorship 
  • Proof of Business (ex: sellers permit, tax return etc.)
  • Social Security Number (SSN)
LLC
  • Articles of Organization
  • Social Security Number (SSN) or Employer Identification Number (EIN)
Corporation
  • Articles of Incorporation
  • Employer Identification Number (EIN)
Cooperative 
  • Articles of Incorporation
  • Employer Identification Number (EIN)
Non-Profit
  • Charter By-Laws
  • Letter of Purpose or Meeting Minutes
  • Employer Identification Number (EIN)
Partnerships
  • Written Partnership Agreement or Certificate of Limited Partnership
  • Employer Identification Number (EIN)