Welcome to 1st United’s Business Banking

We call it business banking, but to us, it’s always personal.

Whether you’re just starting out or have owned your business for a while, finding the right financial partner is important.  At 1st United Credit Union our goal is to make it simpler, faster and friendlier for you to do business banking with us. That’s why we offer a variety of solutions to help you keep your business growing. 

To learn more, check out our interactive user guide or keep reading.

  • Business savings, checking, money market and certificates
  • Merchant services including card processing and terminal, PIN pad and printer set-up service
  • Online and mobile banking including mobile deposit and bill pay

  • Business Savings

    We offer a variety of dividend-earning accounts that help you on your way toward a secure financial future. We give you quick access to your money while also paying a competitive rate. 

    Basic Savings Account 

    • This share account acts as your credit union membership 
    • Earn dividends while having 24/7 online access
    • $5 minimum balance requirement

    View Rates

    Money Market Account

    Money market accounts pay higher dividends for higher balances, without sacrificing liquidity, so if you need your money, you can withdraw it at any time. Plus, your earnings are guaranteed and insured up to $250,000.

    View Rates

    Certificate Accounts

    Certificates offer guaranteed earnings and pay higher interest than a traditional savings account because the funds are committed to a fixed term. Better yet, our certificates offer even more unmatchable benefits that other financial institutions don’t. Things like:

    • Above-market rates
    • Flexible terms between 6 and 84 months
    • Low $250 minimum
    • One-time bump feature – If we raise rates you can bump-up your rate at any time
    • Withdrawal feature – Withdraw your interest penalty-free at any time
    • Insured to $250,000 by the NCUA

    View Rates

  • Business Checking

    Our simple business checking account provides all the tools you need to maintain and grow your business.  Plus, 1st United has invested in the technologies that make accessing your account easy. Things like online banking, mobile bankingmobile check deposit and online access to statements and notices.

    Choose from Basic or Interest checking to suit your needs.

    Checking Choices Basic Checking Interest Checking
    Earns Tiered Interest No Yes*
    Monthly Fee No Yes, waived with $1,500+ balance
    Check Deposits 25/month 25/month
    Mobile Check Deposits Unlimited Unlimited
    Bill Pay Free Free
    Online Banking Free Free
    Mobile Banking Free Free
    Mobile Deposit Free Free
    Paperless Statements & Notices Free Free
    Free Checks Available to order First box free
    Free ATMs 30,000 30,000
    Courtesy Pay** Yes Yes
    Courtesy Fee Reversal No $29/year

    View Rates  Learn More

    *Dividends paid monthly based on average daily balance of $1,500 or more.
    **Subject to the Credit Union's discretion, account must be in good standing and meet conditions as defined in the credit union's discretionary courtesy pay practices, which will be provided at account opening.

  • Merchant Services

    1st United partners with Elavon Merchant Services, a division of U.S Bank, to provide simple payment solutions for your evolving business.

    Elavon allows you to accept payments affordably, easily and securely. Their easy-to-use merchant services solution includes: 

    • Payments via debit card, credit card, mobile, online, PayPal, Apple Pay, Google Pay, ACH and more
    • Chip card/EMV terminals and tablet point of sale systems
    • 24/7 customer service and support
    • Dedicated account manager for each business member

    To find a solution for your business, contact our Elavon representative Shiree Moitoso at (209) 595-6168 or by email at shiree.moitoso@elavon.com.

    Learn More


  • Online and Mobile Banking

    Access your account anytime, anywhere for free at 1stunitedcu.org.  ​

    To get started, register with your member number, the last 4 digits of the primary account holders social security number and the business zip code.  You can also choose a login ID.  
    To learn more, check out our Interactive user guide.

1st United has been serving members since 1932.  We're proud to serve and support local businesses in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties.

For more information or to open any of our business accounts, please schedule a video chat appointment with our business specialist at one of our branches

Schedule an Appointment Required Documentation