BUSINESS

Business Analyzed Checking Account

A business analyzed checking account1 designed for a high volume of transactions that includes commercial treasury management services.

Commercial Checking

Business analyzed checking account benefits

  • 24/7 account access: Make transfers, deposit checks,2 find one of our 80,000+ surcharge-free ATMs3 and more with online and mobile4 banking!
  • Save and earn: Save money by earning credit for your deposits. The earnings credit allowance may help reduce or offset monthly account service fees.5
  • Online banking: Send wire transfers6 from your desktop or laptop, use Bill Pay,7 view account balances and eStatements, and more!
  • Wire transfers: Online wire transfers that are protected by multiple layers of security, including encryption, password protection and dual authorization.
  • Monthly analysis: Monthly service fees are determined by transaction volume, services and earnings credit. The earnings credit allowance is based on the average collected balance and may be used to help reduce or offset fees.
  • ACH Origination8: You can initiate electronic business payments, including direct deposit for employees, payments to vendors, collect membership fees and more.
  • ACH Positive Pay: Offers error and fraud detection for ACH transactions.
  • Check Positive Pay: Offers error and fraud detection for checks issued.
  • Remote deposit capture8: Scan multiple checks directly into your account 24/7 from the convenience of your office.
  • Debit card9 designs: Support our local teams with the El Paso Chihuahuas Mastercard® or El Paso Locomotive FC Mastercard® debit card, or choose the GECU Empowerment Mastercard® debit card.

We’re Here to Answer Your Business Analyzed Checking Account Questions
  • How does an analyzed checking account work? 
    An analyzed checking account is designed for businesses with a high volume of transactions. This account offers an earnings credit allowance used to help reduce or offset service fees per statement cycle associated with the account. Submit an inquiry to a business services representative about a GECU Analyzed Business Checking Account.
  • Do I have to be a member to open an analyzed checking account? 
    Yes, you will need to establish membership prior to opening a GECU Business Analyzed Checking account. Submit an inquiry to a business services representative or learn more on how to become a member.
  • Can I open an analyzed checking account online? 
    An analyzed checking account can be opened with a business services representative. Submit an inquiry to open your business checking account.
  • Where can I make business deposits and withdrawals? 
    A designated teller window is located at 11987 Rojas Drive. You can also visit any other GECU location for your deposit and withdrawal needs.
  • Do you offer commercial treasury management services?
    Yes, we offer commercial treasury management services8 to fit your business’ needs, including online banking, wire transfers, ACH origination, ACH positive pay, check positive pay, remote deposit capture and more!
  • Do you offer commercial loans? 
    Yes, we offer commercial loans10 that include Real Estate and Owner-Occupied Property, Investment Properties, Construction and Development, Medical Professionals Loans and more! View our commercial loans.
Membership eligibility is required.
1Must have a GECU share account to open a GECU Business Analyzed Checking Account and obtain the commercial treasury management services listed. Open a GECU share account with a one-time deposit of $10.
2Check deposits are subject to the funds availability policy.
3Transaction fees may be charged by the owners of non-GECU ATMs.
4Standard text-messaging and data rates may apply through the wireless carrier.
5Earnings credit allowance is used to partially or fully offset monthly service fees per statement cycle in accordance with the GECU Business Analyzed Checking Account Terms and Conditions.
6Applicable outgoing or incoming wire transfer service fees apply.
7Must have a GECU checking account and enroll to use online Bill Pay.
8ACH Origination and Remote Deposit Capture services available for qualifying businesses only. Remote Deposit Capture check deposits are subject to the funds availability policy. Other conditions may apply.
9Debit card is available with checking accounts. Certain fees and conditions apply.
10All loans are subject to approval. Commercial loans are available only in Texas and New Mexico. Other conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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