Business Accounts —

Business Checking and Savings

Checking and Savings Accounts to take your business to the next level

Analysis Business Checking
Analysis Business Checking

For businesses that have a high volume of deposits and checks each month

  • .30% APY*
  • Includes Cash Management Services
  • Analyzes your activity and charges based on use
  • Earn credit back based on balance
  • Use earned credits to offset service fees
  • Helps keep costs low
  • Low $100 minimum deposit required to open account
Notes and Fees
Business Certificates
Business Certificates

Best for those seeking a higher-yield, fixed-rate savings account for excess funds

  • Terms ranging from 3 -60 months
  • Interest is compounded and paid monthly and at maturity
  • Choose 1 of 3 tier levels for your account
  • Certificates can be used as collateral to secure a loan at a competitive margin
Notes and Fees
Business Money Market Accounts
Business Money Market Accounts

Best for those looking to earn higher dividends

  • Maintain a low $2,500 daily balance to earn tiered dividend rate
  • Enjoy six remote withdrawals or transfers a month
  • Acts as overdraft protection for any Gesa Business checking account
  • Dividends paid monthly
Notes and Fees
Business Savings Accounts
Business Savings Accounts

Best for competitive rates and overdraft protection for a checking or money market account

  • Balance of $100 to open and maintain account
  • Competitive rates assure that your funds are working for you
  • Low monthly service charge can be waived based on the aggregate average daily balances in all other Business Accounts
Notes and Fees
Money Market Sweep
Money Market Sweep

Ideal for businesses that have established a target balance

  • No minimum balance to open or maintain the account
  • Funds moved in and out of Sweep account based on target balance
  • Small set-up and monthly service fee
  • Unlimited deposits
  • Dividends paid monthly
Notes and Fees

Business Overdraft Protection

There are times in life and business when you need a little extra help. In those unexpected situations when you are short on funds, Business Courtesy Pay may save you from merchant NSF fees, interruption of services, and the embarrassment and inconvenience associated with returned or declined items. You can choose one type of account coverage, or all three. Whatever works for you, works for us.

Need a loan? Our Commercial Banking team has your back.

Notes and Fees

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change

Business Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

Dividends on Business Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The minimum balance to open the Savings Account is $100.00 and you must maintain a minimum $100.00 in your account to avoid a service fee. A minimum daily balance of $500.00 in the account each day is necessary to earn the stated APY. Fees could reduce earnings on the account. APY is accurate as of 11/01/2022.

Business Account Fees (PDF)

Business Analysis Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Early withdrawal penalties will apply. Certificate rates are for a limited time only.

APY is accurate as of 11/01/2022 and subject to change

Business Account Fees (PDF)

Business Analysis Account Fees (PDF)

To view the PDFs, you may need to download the free utility Adobe Reader.

People helping people.

Gesa credit union is committed to making a positive impact in the communities we serve.

Affinity debit cards give back to your community when you swipe.

We give a hoot about your business.

Gesa has the accounts, products, and services to help you and your small business succeed.

Happy banking customer

Business Visa:
A low-rate card made for business owners.

Learn More

Banking made for you.

With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa Customer at POS

Up to 5.00% APY
On select checking accounts!

Learn More