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Business Checking Account

Whether you're just getting started or ready to grow your business, we have the Business Checking Account for you!
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Business-Man

Business Checking Account Benefits

We're proud to serve businesses small and large in Oregon and Washington with hassle-free banking that delivers the personalized service you need.

With a CCCU Business Checking Account, you'll get free online banking and bill pay, plus many other bells and whistles –  so you can manage your money when you're not running your business. 

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Start your Business Checking Account application

Business Banking You Can Count On

You deserve a credit union that does more. At CCCU, our Business Checking Account provides the services you need with no nickel and diming –  so you can focus on taking your business to the next level!

Hairdresser small business uses Consolidated Community Credit Union checking account.

Free Online Banking

Manage your accounts with ease and no fee, because we know you're busy enough!

Free Bill Pay

Enjoy freedom from fees when you set up one-time or recurring payments with our free Bill Pay service.

Free Coin Counting

You can easily convert, save, and spend your coins with CCCU.

Safe & Sound

We are financially sound and your assets are safe with us. As a local credit union, we're accountable to our community and our members.
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Business Checking Account Options

At CCCU, we've been supporting Portland businesses since 1954, and we know business owners have enough on their plate. That's why we keep it simple with our Business Checking Account options. Find the perfect account for your business so you can focus on your customers!

Business Checking Account

[1] $.15 per transaction over monthly transactions allowed. [2] Overdraft transfers are $3.00 per transfer.

Click here for Consumer Truth-In-Savings information.

Feature
Feature Details
Feature
MIN OPENING BALANCE
Feature Details
$100
Feature
MIN BALANCE REQUIREMENTS
Feature Details
None
Feature
TRANSACTIONS ALLOWED
Feature Details
75 transactions1
Feature
MONTHLY SERVICE FEE
Feature Details
None
Feature
DIVIDENDS
Feature Details
None
Feature
OVERDRAFT PROTECTION
Feature Details
Available with savings account2 or business line of credit

[1] $.15 per transaction over monthly transactions allowed. [2] Overdraft transfers are $3.00 per transfer.

Click here for Consumer Truth-In-Savings information.

Premium Business Checking Account

[1] $.15 per transaction over monthly transactions allowed. [2] Overdraft transfers are $3.00 per transfer.

Click here for Consumer Truth-In-Savings information.

Feature
Feature Details
Feature
MIN OPENING BALANCE
Feature Details
$100
Feature
MIN BALANCE REQUIREMENTS
Feature Details
$5,000 monthly avg. balance
Feature
TRANSACTIONS ALLOWED
Feature Details
300 transactions1
Feature
MONTHLY SERVICE FEE
Feature Details
$10 if average balance not met
Feature
DIVIDENDS
Feature Details
None
Feature
OVERDRAFT PROTECTION
Feature Details
Available with savings account2 or business line of credit

[1] $.15 per transaction over monthly transactions allowed. [2] Overdraft transfers are $3.00 per transfer.

Click here for Consumer Truth-In-Savings information.

Merchant Services

We partner with Total Merchant Concepts to provide business accounts with processing options to fit your needs. TMC offers secure payment solutions to process credit cards and electronic checks online and a full range of point-of-sale equipment, including card terminals and receipt printers. 

  • Month-to-month service agreements
  • Competitive rates / no hidden fees
  • Create your own gift card program
  • Accept checks with confidence
  • Easy-to-read monthly statements
  • 24/7 support
  • Ongoing contact and annual reviews

Get full service with TMC Merchant Services and process payments on your website, retail store, by fax, phone, or even mail. Contact us for a free quote or learn more at totalmerchantconcepts.com.

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Small business bake shop uses CCCU business checking account.

Business Account Requirements

To open an account, we will need 2 pieces of ID from each authorized signer as well as the documents listed below (select your business type).
LLC
  • Employer Identification Number (EIN)
  • Business Registry Name
  • Articles of Organization
  • Operating Agreement (may be required)
Corporation
  • Employer Identification Number (EIN)
  • Business Registration
  • Articles or Certificate of Incorporation
  • Bylaws
  • Meeting minutes (preferred)
Unincorporated Assocations
  • Employer Identification Number (EIN) or Social Security Number (SSN)
  • Organizing documents
  • Articles of Association or Bylaws
  • Board Meeting minutes stating you have decided to open account with CCCU
Sole Proprietorship
  • Business Name Registry
    • If you do business under your full name with no extra words, it is possible for us to open an account without the business registration.
  • Employer Identification Number (EIN) or Social Security Number (SSN)

 

Non-Profit
  • 501c Ruling Letter
  • Business Registration
  • Articles or Certificate of Incorporation
  • Bylaws
  • Meeting Minutes (preferred)
Partnership
  • Employer Identification Number (EIN)
  • Business Registration
  • Partnership Agreement

Business Bank Account Resources

Employee Benefit

You can share your CCCU membership as a benefit to your employees. We offer new hire packets, custom marketing materials, seminars, and more!
Contact Us

Tax Assistance

Electronic Federal Tax Payment System (EFTPS) is a free service from the U.S. Dept. of Treasury that allows business owners to make federal tax payments online 24/7! 
Enroll Today

State Resources

If you're ready to register a business name or want to research registered businesses in Oregon, the State of Oregon Corporate Division is a great resource!
Register Business

What our members are saying:

“I've been a member since it was Jantzen Federal Credit Union. Now I have moved from The Big City but keep my account there. Customer service is excellent. Some of the larger Credit Unions lack the personal connection CCCU has. And I really support the member-owned idea, as opposed to for-profit banks (who seem to always be tweaking the rules and charges to extract money from their customers).”

Markus O.

“I have been a member in some capacity for almost 40 years. I no longer live in OR but have continued to do my banking with CCCU for almost 15 years. I could not be happier with my experience.”

Michael P.

“The absolute best customer service!!! They know me by name. They respect my time. They are kind to my kids. And, because of my direct deposit, I don't have a monthly fee! This bank made living through the pandemic just a little bit more bearable.” 

Name Sofia S.

New in Our Blog

Enjoy browsing our collection of recent blog articles designed to help your business!

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DISCLOSURES

Account qualifications apply. Please review our Fee Schedule for more information. An initial deposit of $5 is required to gain your stake in the credit union. All members must maintain a $5 minimum balance in their savings account to remain a member-owner and demonstrate regular activity in their account to keep it open. 

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© Consolidated Community Credit Union 2025 | 2021 NE Sandy Blvd Portland, OR 97232 | Routing #: 323075136 

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CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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