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!

Compare Checking Accounts
Account |
Business Non Profit |
Business Premium |
Business No Fee |
---|---|---|---|
Features |
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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
- Positive Pay
- Sweep/ZBA Functionality
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.
Interest on Real Estate Trust Accounts (IRETA/RETA)
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% |
- Integrate with your Quicken and Quickbooks software
- Free Bill Pay
- View Images of Cleared Checks
- Mobile Deposit
- Electronic Federal Tax Payment System (EFTPS)
- A Quick and Easy Guide to Online Business Banking
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.
P1FCU Debit Mastercard Businesscard
- Mastercard Easy Savings
- Mastercard Receipt Management
And more! Learn More Here

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

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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.