Business Checking Plus
Business Checking Plus
- Minimum opening deposit $25
- $5,000 minimum daily balance to avoid $15 monthly fee
- 250 free monthly transactions/$0.25 each thereafter*
- Competitive dividends paid monthly on any balance
Ready to get started? Business accounts must be opened at a Financial Health Center.
Make an appointment onlineFind Credit Human Near You
Need to visit us in person? Find the closest location or check out our ATM network.
Find UsBenefits of Business Checking Plus
Save on select purchases with the Easy Savings program
Just use your Mastercard® business card on qualified purchases at any participating merchant and rebates will be automatically applied to your account. You're automatically enrolled.
Free access to 55,000+ Allpoint Network ATMs
Use your Credit Human business debit card to gain free access to the Allpoint Network of more than 55,000 ATMs worldwide. Allpoint ATMs can be found in popular shopping locations such as Target, CVS, Walgreens and Circle K—just look for the Allpoint logo. Withdrawals can be made at any Allpoint ATM, and cash deposits up to $1,000 can be made at select Allpoint+ ATM locations. Find a nearby Allpoint ATM by visiting our Locations page.
Easy access
Our digital banking app provides you easy access to manage your money—anytime, anywhere. Enhanced transaction data and on-demand spending analysis and spending forecasts make managing your cash flow easier, so you can focus on growing your business.
Our enhanced bill center provides more convenience and control, allowing you to manage your payments more easily.
Discover the benefits of bill paySave time by depositing personal business and government checks from your mobile device or tablet.
See our mobile deposit FAQsUncover more about your spending habits and manage your cash flow better with tools designed to help you.
Learn how digital banking connects you with financial wellnessA debit card designed for you
Access funds at ATMs, including Credit Human ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.
Add your Credit Human debit card to your digital wallet and use Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device. Plus, with Card Control you can instantly lock a misplaced debit card, set alert preferences and more—all from your mobile phone with Credit Human's digital banking app.
Your insured funds
As a Credit Human member, your deposits—checking, savings, certificates, and IRAs—are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.
MORE DETAILS: Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center toll free at 800-688-7228 for further information on your insured funds.
A card you can trust
Your Mastercard business debit card comes with savvy consumer protection, so you can rest easy knowing you’re secure and paying the best possible price for goods and services.
Business Checking Plus Rates
| Account Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| No Minimum | 0.10% | 0.10% |
Rates are effective as of October 31, 2025
The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.
Terms and Conditions
Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.
Credit Human checking accounts require a minimum $25 deposit to open.
*The Business Checking Plus account allows up to 250 transactions per statement cycle at no charge; then 0.25 for each item over 250. Cash withdrawals, ACH transactions, ATM transactions, Money Orders, Official and Cashiers Checks disbursals are not included in this transaction count.