Business Checking

Cost effective cash management options. 

We provide a wide range of checking products to provide your business with what it needs at the price that works for you. 

Schedule an appointment to open your business account today!

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 Compare Checking Accounts

Account

Business Non Profit

Business Premium

Business No Fee
Features
  • $0 Monthly Maintenance Fee
  • No Minimum Balance Required
  • $0 Check Writing Fee
  • Free Debit Mastercard
  • Free Online Banking

You can open a Business Account at any of our convenient branch locations. Schedule an appointment or walk in today to get started. Not sure which documents you should bring? Check out our Business Documents Guide. 


Analyzed Checking

Earn credit on your account balances to reduce or eliminate monthly cash management service charges that are essential for running your business. You can use this credit for services like: 
  • ACH Origination
  • Remote Deposit Capture
  • Online Wires


Earnings Credit Tiers

Deposit Amount ECR %
$0.00-$100,000
0.30%
$100,001-$250,000 0.45%
$250,000+ 0.75%

Reach out to our Cash Management team to get started with Analyzed Checking. 




This designated account is for law firms or attorneys to hold their clients funds that are nominal in amount or only held for a short period of time. Hold your client's funds in a designated account separate from any operational accounts.

  • Dividends accrue based on daily computation method and are distributed monthly
  • No Monthly Service Charge
  • Access your account in Online or Mobile Banking, anytime, anywhere
Interest earned on IOLTAs are distributed to your state's Legal/Law Foundation to support programs and other initiatives that provide legal services to low-income individuals who might otherwise not be able to afford legal representation. P1FCU is authorized to offer an IOLTA in Idaho, Oregon, and Washington.

Our expert Cash Management team can help you open your IOLTA. 



Hold your clients funds in a designated account separate from any operational accounts. This designated account is used by real estate agents, brokers, or property managers to hold funds such as earnest money deposits, security deposits, rental payments, or other funds related to real estate transactions. 
  • Dividends accrue based on daily computation method and are distributed monthly
  • No Monthly Service Charge
  • Access your account in Online or Mobile Banking, anytime, anywhere
Interest earned on IRETA/RETAs is remitted toward the state and utilized for specific purposes like affordable housing initiatives, education programs for real estate professionals, or other initiatives related to the real estate industry. P1FCU is authorized to open an IRETA in Washington and Oregon. In Idaho, dividends are not earned on this account (per state Statute), but the agent can still open a trust account (RETA). 

Contact our Cash Management Team to get started with your IRETA or RETA today.



Business Non Profit APY2
$0.00+ 0.15% 
Business Premium1 APY2
$0.00 - $999.99 0.00%
$1,000 - $25,000 0.15%
$25,000+ 0.20%



Enhanced Features Include:

  • Payroll
  • ACH Payments
  • ACH Collections
  • Remote Deposit Capture
Enhanced Online Banking carries an additional monthly fee and is only available with Premium Checking. Purchase or lease of equipment is required for Remote Deposit Capture. Contact your Business Relationship Officer for more details.


  • Mastercard Easy Savings
  • Mastercard Receipt Management
And more! Learn More Here


















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Cash Management

Payable, receivable, and fraud mitigation services to make managing your business's finances that much easier.

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Merchant Services

A wide range of solutions to make payment processing simple.

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Business Loans

A wide range of solutions to make payment processing simple.

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1 Dividends paid when a balance of $1,000 is maintained. No fee is accrued if balance falls below $1000. Special dividends apply to balances $25,000.01+.
2 APY - Annual Percentage Yield. Rates and terms subject to change without notice. Effective 11/24/2021.