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ANALYZED BUSINESS CHECKING

Smarter cash management for growing businesses
When your business keeps larger balances, a standard account can cost you more money. Analyzed Business Checking gives you more control and flexibility – so your balances can help cover your fees.

It’s ideal for businesses and nonprofits with higher transaction volumes, multiple accounts, or advanced cash-management needs. You’ll get detailed monthly reporting, flexible transaction structures, and dedicated support from our business team.

Contacta a nuestro equipo de operaciones bancarias comerciales

Características de la cuenta

  • Monthly account analysis statement
  • Earnings credit to offset service charges
  • Tiered transaction structure for predictable costs
  • Consolidation across multiple accounts
  • ACH origination & wire transfers
  • Remote deposit capture
  • Fraud protection tools, including Positive Pay
  • Banca digital
  • Business rates & fees

Cómo funciona
Each month, we’ll review your checking account activity and apply an earnings credit based on your average collected balance. If your credit covers your monthly service charges, you could pay little – or nothing at all.

  1. We track your monthly activity – deposits, withdrawals, ACH, and more.
  2. Each service has a small per-item cost.
  3. Your earnings credit offsets those costs automatically.
  4. You get a clear monthly statement with your totals.

The result? Predictable costs, better insight, and a smarter way to manage your cash flow.

Analyzed Business Checking is a business checking account designed for organizations with higher transaction volumes or larger balances. Each month, your account activity is reviewed, and an earnings credit is applied based on your average collected balance to help offset or eliminate service fees.

The more money you keep in your account, the more credit you earn toward your fees. If your earnings credit exceeds your monthly service charges, you may not owe anything for that month. See our business rates & fees for details.

It’s ideal for businesses or nonprofits that maintain larger balances, handle frequent ACH or wire transfers, have multiple accounts, and use treasury or cash-management services.

There’s no flat monthly fee – instead, each transaction or service, such as deposits, withdrawals, ACH, or wires, has a small per-item cost. Your earnings credit helps offset those charges. See our business rates & fees.

The ECR is an internal rate used to calculate your earnings credit. It’s not an interest rate and doesn’t generate dividends or yield – it simply reduces your monthly service charges. See our business rates & fees for the current rate.

Yes. Businesses with more than one account can link them under a single analysis structure, allowing balances to be combined for earnings credit purposes and simplifying your monthly reporting

Yes. You’ll get a detailed monthly statement that breaks down your account activity, service charges, and earnings credits – so you always know how your costs are calculated.

Minimum balance or activity requirements may apply, depending on your setup and services. See our business rates & fees and contact our Business Banking team to find the best fit for your cash flow.

Connect with our Business Banking team online o llamando al 800.866.6474. We’ll help you review your transaction patterns, discuss linking options, and get your account up and running quickly.

The earnings credit rate (ECR) is an internal rate used solely to reduce or offset service charges – it isn’t an interest rate and doesn’t represent a yield. Transaction allowances and per-item fees apply to certain services, including deposits, withdrawals, ACH, and wire transfers. Standard fees for other services may also apply. Minimum balance or activity requirements may apply. Rize CU reserves the right to adjust earnings credit rates, service charges, or eligibility criteria with notice. All business accounts are subject to Rize CU’s Business Account Agreement and related disclosures.

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