Business Checking
Smart, flexible accounts built for how you do business.
Seamless account management, so you can focus on your business
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Anytime, Anywhere Access
Manage your business checking your way with easy mobile and online banking, Bill Pay1, eDocuments, and Deposit Anywhere2.
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Member Perks
It pays to be a member! Our awesome Member Perks3 rewards you for your loyalty. Save money on products and services you use every day!
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Free VISA® Debit Card
Free point-of-sale transactions and access to 28,000+ surcharge-free ATMs. Multiple cards and access levels for your employees.
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Overdraft Line of Credit
Avoid insufficient funds fees with an Overdraft Line of Credit. We’ll cover overdrafts up to your approved limit of $10,0004.
Compare Business Checking Account Options
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Best for:
Best for:
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Minimum Balance Requirement
Minimum Balance Requirement
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Monthly Allowable Transactions
Monthly Allowable Transactions
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Dividends
Dividends
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Transaction Charges
Transaction Charges
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Monthly Maintenance Fee
Monthly Maintenance Fee
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ACH Credits up to one (1) business day early
ACH Credits up to one (1) business day early
Community Checking
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Best for:
Small businesses and non-profits
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Minimum Balance Requirement
$0
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Monthly Allowable Transactions
150
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Dividends
None
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Transaction Charges
$0.30 per transaction after your first 150 monthly transactions
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Monthly Maintenance Fee
$0
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ACH Credits up to one (1) business day early
Yes
Build Checking
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Best for:
Businesses with moderate transaction volumes
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Minimum Balance Requirement
$0
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Monthly Allowable Transactions
300
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Dividends
None
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Transaction Charges
$0.30 per transaction after your first 300 monthly transactions
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Monthly Maintenance Fee
$10
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ACH Credits up to one (1) business day early
Yes
BuildStrong Checking
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Best for:
Businesses with high transaction volumes
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Minimum Balance Requirement
$0 (a minimum daily balance of $10,000 is required to earn interest)
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Monthly Allowable Transactions
Unlimited
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Dividends
Earn dividends on daily balances greater than $10,000, with tiered yields for businesses that maintain higher daily balances. See rates.
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Transaction Charges
N/A
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Monthly Maintenance Fee
$20 (waived with a minimum daily balance of $50,000)
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ACH Credits up to one (1) business day early
Yes
Money Market Demand Account (MMDA)
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Best for:
Businesses that want to earn more with tiered interest rates while having everyday access to their funds
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Minimum Balance Requirement
$0 (a minimum daily balance of $1,000 is required to earn interest)
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Monthly Allowable Transactions
25
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Dividends
Compounded and credited monthly. See rates.
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Transaction Charges
$0.50 per transaction after your first 25 monthly transactions
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Monthly Maintenance Fee
$15 (waived with a minimum daily balance of $10,000)
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ACH Credits up to one (1) business day early
Yes
Community Checking
Basic business checking for start-ups and non-profits. With no minimum balance requirement or monthly maintenance fee and 150 free transactions per month, you get the robust small business checking account you need to get you off to a strong start.
Learn More
Build Checking
Ideal for established, expanding businesses, Build Checking gives you the room you need to grow with 300 free monthly transactions, no minimum balance requirement, and a nominal maintenance fee of just $10 per month.
Learn MoreBuildStrong Checking
A checking account with rock-solid systems designed to support the operations of high-volume businesses. Benefit from unlimited free monthly transactions while earning tiered dividends on daily balances greater than $10,000.
Learn More
Money Market Demand Account
Ready to get serious about building your reserves while maintaining access to your money? Our Money Market Demand Account offers enhanced dividend rates with none of the risk of investing on the open market. Set your savings free while keeping your cash close at hand.
Learn MoreBuildStrong Business Checking Account Rates
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Balance |
Dividend Rate* |
APY** |
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First check order is free for standard checks or $50 rebate for business checks. * Dividends are calculated using the daily balance method which applies a periodic rate to the daily balance in the account for that period. ** APY = Annual Percentage Yield. Rates are effective as of March 15, 2021, and are subject to change, after account opening, without notice. Requires a $1,000 minimum balance to open the account and you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed APY. Fees could reduce earnings on the account. A $5.00 Membership Account Required. |
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Balance $10,000 – $24,999.99 |
Dividend Rate* 0.150% |
APY** 0.15% |
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Balance $25,000 – $49,999.99 |
Dividend Rate* 0.150% |
APY** 0.15% |
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Balance $50,000 – $99,999.99 |
Dividend Rate* 0.200% |
APY** 0.20% |
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Balance $100,000 and over |
Dividend Rate* 0.250% |
APY** 0.25% |
Business Money Market Demand Account Rates
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Dividend Rate |
APY* |
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*APY= Annual Percentage Yield. Rates are effective as of June 30, 2025, and are subject to change, after account opening, without notice. Requires a $1,000 minimum balance to open the account and you must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed APY. Fees could reduce earnings on the account. A $5.00 Membership Account Required. |
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$1,000 – $9,999.99 |
Dividend Rate 0.499% |
APY* 0.50% |
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$10,000 – $24,999.99 |
Dividend Rate 0.747% |
APY* 0.75% |
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$25,000 - $49,999.99 |
Dividend Rate 1.243% |
APY* 1.25% |
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$50,000 - $99,999.99 |
Dividend Rate 1.736% |
APY* 1.75% |
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$100,000 and over |
Dividend Rate 2.716% |
APY* 2.75% |
– Elizabeth C.Best in customer service. Jeanne D’Arc Credit Union treats you like family … Feel the love!
Ready to get started?
To apply for loans, open accounts or to schedule a meeting to discuss your business, contact:
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Kara Doyle
VP – Commercial LendingOffice: (978) 323-3242
Mobile: (978) 479-7150
Email: [email protected] -
Robert Boley
VP – Business Services AdvisorOffice: (978) 703-7982
Mobile: (978) 421-4644
Email: [email protected]
FAQ about Credit Union Business Checking Accounts
You are eligible for business membership if you meet the following requirements:
- Any business (fraternal organization, voluntary association, sole proprietorship, partnership, limited partnership, corporation, limited liability company or limited liability partnership), composed principally of individuals who are themselves eligible for consumer membership at Jeanne D’Arc Credit Union, may become a business member.
- Membership is limited to those individuals who live, work, or attend school in Middlesex or Essex counties, the cities or towns of Fitchburg, Leominster, Harvard, Lunenburg, or Lancaster, or the New Hampshire counties of Hillsborough or Rockingham and their immediate families.
- Be able to describe their business activities and provide certain supporting documentation.
- A $5.00 Membership Account is required.
You can order checks by logging into Online Banking or our Mobile Banking App and clicking on Check Services widget. From there, click on the tab Reorder Checks.
Or you can visit one of our branches and speak with a Member Service Representative who can order them for you.
Jeanne D’Arc Credit Union ATMs are fee-free and unlimited. Other non-Jeanne D’Arc ATMs cost $1.50 per withdrawal.
Yes, you will have access to the same services offered through online banking as our consumer members do. You can view statements, eDocuments, pay bills, and more through your mobile device or computer.
Log into Online Banking and select the Message Center widget. From there, press the Compose button in the center of the window to begin.
Yes, in addition to mobile deposit, you can deposit at any one of the following branches:
- Dracut – Lakeview
- Dracut – Bridge
- Lowell
- Nashua
- Chelmsford
- Westford
- Methuen
Yes, a fee of $0.30 is charged for each additional transaction for holders of our Community and Built Checking Accounts. Holders of our Money Market account will be charged $0.50 per additional transaction after the first 25 transactions.
Yes, there is a $20 monthly maintenance fee for the BuildStrong Checking Account, which is waived when your minimum daily balance exceeds $50,000. There is a $15 monthly maintenance fee for the Money Market Demand Account, which is waived when your minimum daily balance exceeds $10,000. Other fees may apply.
Disclosures
1Online Bill Pay is a free service. However, for an electronic expedited payment, the fee is $7.50. Overnight check expedited payment is also available for $25.00. Terms and conditions apply.
2Business Checking Accounts will incur a per-item fee if the number of checks deposited exceeds the allowed limits. Please refer to the current Jeanne D’Arc Credit Union Business Fee & Service Charge Schedule. All remote check deposit enrollees are subject to approval by the Credit Union. Enrollment may take up to two (2) business days.
3For business members, Members Perks is free with a Build Checking or BuildStrong Checking Account, and is $5.99 per month with a Community Checking account. For individuals, Member Perks is free for the first 90 days and then $5.99 per month, beginning on the first of the month after the 90-day free trial period has ended. Eligible consumer accounts include Fee Free Checking, Premier Checking, Senior Fee Free Checking, Senior Premier Checking, Statement Savings, Passbook Savings, Senior Statement Savings, Senior Passbook Savings and Money Market Savings.
4Credit limit based on members’ credit history and ability to repay. Please refer to the current Business Fee & Service Charge Schedule for overdraft fees.