Business Checking | O Bee Credit Union
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Business Checking

PREMIER

  • 0.10% APY*

    *Annual Percentage Yield Rate Effective 10/28/2026.

  • No transaction fees.
  • Minimum opening deposit: $1.00.
  • Monthly Maintenance Fee: $15.00.
    Fee is waived for aggregate average daily balances greater than $15,000 or loans equal to or greater than $250,000.
  • Free use of the coin machine.
  • Eligible to apply for cash management services.
See Account Disclosure for Details

ESSENTIAL

  • N/A APY*

    *Annual Percentage Yield Rate Effective 10/28/2026.

  • No transaction fees.
  • Minimum opening deposit: $1.00.
  • Monthly Maintenance Fee: $10.00.
    Fee is waived for aggregate average daily balances greater than $1,000 or loans equal to or greater than $250,000.
  • Eligible to apply for cash management services.
See Account Disclosure for Details

COMMUNITY

  • N/A APY*

    *Annual Percentage Yield Rate Effective 10/28/2026.

  • No transaction fees.
  • Minimum opening deposit: $1.00
  • No monthly maintenance fee.
  • Available to non-profits, associations, or club accounts only.
  • Eligible to apply for cash management services.
See Account Disclosure for Details

CANNABIS

  • N/A APY*

    *Annual Percentage Yield Rate Effective 10/28/2026.

  • One of the first in the country to offer banking services to the Cannabis industry.
  • We offer safe, secure banking along with industry knowledge and expertise.
  • Additional information will be required to open an account.
  • Eligible to apply for cash management services.
See Account Disclosure for Details

Get Started

Business Checking Account Document Requirements

To better assist you and your company, depending on the structure of your business, the following are required to open a business checking account with O Bee.

PLEASE NOTE: Current bank statements will be requested for all business types at account opening. Other documents such as government issued photo ID, business physical address, physical address of all signers and social security numbers of all signers will be requested at the time of account opening.

Limited Liability Company (LLC)

  • WA State Business License
  • LLC Operating Agreement and/or Articles of Organization
  • Certificate of Formation
  • Beneficial Ownership Information
  • EIN (Sole Member LLCs may choose to file under their own SSN)

Corporation or Non-Profit

  • WA State Business License
  • Articles of Incorporation
  • Certificate of Formation
  • Meeting Minutes and/or Letter of Authority (aka Corporate Resolution)
  • Bylaws – if applicable
  • Beneficial Ownership Information
  • EIN

Sole Proprietorship

  • WA State Business License
  • SSN or EIN

Partnership – General, LTD & LLP

  • WA State Business License
  • Partnership Agreement
  • Certificate of Partnership or Registration with Secretary of State
  • Beneficial Ownership Information
  • EIN

Organization/Association

  • Meeting Minutes or Letter of Authorization
  • EIN
  • Copy of Organization Charter or By-Laws
  • We may also require control prong Beneficial Ownership Information for some organizations

More Reasons To Love Us

Once you’re up and running you’ll need a place to put all that money. We’ve got three great checking solutions that will manage your money while you focus on managing your business.

  • Get FREE Online & Mobile Banking
  • Get FREE Bill Pay
  • Get unlimited check writing

Debit Cards As Good Looking As You

Our debit cards are so good looking they turn heads -- but it takes more than good looks to make a business buzz. These cards come with serious perks and the power of a worldwide Visa network.

  • Our debit cards work in thousands of ATMs (our Co-Op network features No-Fee ATMs)
  • Debit cards can be used at almost any place that accepts credit cards.
  • Purchases are automatically deducted from your checking account
  • Accepted worldwide

Subject to membership eligibility requirements. Federally insured by NCUA. Rainier, PBR, and Lonestar cards available only to those 21 and over.

Checking_Focus

Visa Debit Card and ATMs Annual Fee:

  • Replacement: FREE 
  • ATM Surcharge Fee: varies (posted at ATM site) 
  • Foreign Transactions: Purchase, ATM or internet transactions that are completed in foreign countries will be deduced from your account in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. O Bee Credit Union does not charge an additional fee.

Only The Best For Your Children

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O Bee Mobile

O Bee Mobile

Bank on-the-go with O Bee Credit Union's mobile app. Check balances, transfer funds, deposit checks, pay bills, and more - all at your fingertips!

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