Business Checking and Savings

• Free checking for businesses of all sizes
• No monthly service fees
• No minimum balance requirements
• Unlimited check writing
• Free digital banking, including:
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free e-Statements
• Free Mastercard^® debit card
• $25 minimum deposit to open
• Night Drop

• Establishes your membership with the credit union
• Competitive dividends on entire balance
• No minimum balance requirements
• No monthly service fees
• Free digital banking, including:
  • Free online banking
  • Free mobile banking with mobile deposit
  • Free e-Statements
• $5 minimum deposit to open
• Night Drop

• Free business checking that pays high dividends 
• 3.00 APY* on balances up to $50,000 
• 3.00% to 1.27% APY on balances over $50,000 depending on balance in account* 
• 0.05% APY* if qualifications aren’t met 
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^* 
• Link to free Rewards Business Savings to build business savings automatically 
• $5,000 minimum balance to earn rewards 
• No monthly service fee 
• Free digital banking, including: 
  • Free online banking 
  • Free mobile banking with mobile deposit 
  • Free e-Statements 
• Free Mastercard^® debit card 
• $25 minimum deposit to open 
• Night Drop 

It’s So Easy to Earn Your Rewards 

Enrollments must be in place and all of the following transactions and activities must post and settle to your Elite Business Checking account during each Monthly Qualification Cycle: 

• $5,000 minimum average daily balance 
• 1 ACH Credit/Direct Deposit or ACH Debit 
• 10 POS transactions OR a Business Loan 

That’s it. And even if you don't meet your qualifications during the cycle, your Elite Business Checking account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month. 

Qualification Information: "Monthly Qualification Cycle" means the current statement cycle. See our website at safeharborcu.org or contact us at (231) 843-2323 for specific Monthly Qualification Cycle dates. Reward Information: When your Elite Business Checking qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Elite Business Checking account earn a dividend rate of 2.96% resulting in an APY of 3.00%; and average daily balances over $50,000 earn a dividend rate of 0.40% on the portion of the average daily balance over $50,000, resulting in a range from 3.00% to 1.27% APY depending on the account's average daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Elite Business Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Elite Business Checking and Rewards Business Checking via ATM; Rewards Business Savings ATM transaction fees are not reimbursed nor refunded. When your Elite Business Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Elite Business Checking account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of [06/27/2025]. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Elite Business Checking account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH transaction are a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per Tax ID#. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA Your Savings Insured To $250,000 Per Account, American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Trademarks: Kasasa and Elite Business Checking are trademarks of Kasasa, Ltd., registered in the U.S.A.

• Free business checking that pays you back 
• 2.00% cash back on debit card purchases^* 
  • No category restrictions on purchases 
  • Cash back earned on up to $1,000 in purchases monthly 
  • Earn up to $240 cash back per year, $20 per month 
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^* 
• Link to free Rewards Business Savings to build business savings automatically 
• No minimum balance to earn rewards 
• No monthly service fee 
• Free digital banking, including: 
  • Free online banking 
  • Free mobile banking with mobile deposit 
  • Free e-Statements 
• Free Mastercard^® debit card 
• $25 minimum deposit to open

It’s So Easy to Earn Your Rewards 

Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Business Checking account during each Monthly Qualification Cycle: 

• 1 ACH Credit/Direct Deposit or ACH Debit 
• 10 POS transactions 

That’s it. And even if you don't meet your qualifications during the cycle, your Rewards Business Checking account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month. 

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle. See our website at safeharborcu.org or contact us at (231) 843-2323 for specific Monthly Qualification Cycle dates. Reward Information: When your Rewards Business Checking qualifications are met during a Monthly Qualification Cycle, you will receive 2.00% cash back on up to a total of $1000 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $20 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Rewards Business Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Elite Business Checking and Rewards Business Checking via ATM; Rewards Business Savings ATM transaction fees are not reimbursed nor refunded. When your Rewards Business Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Rewards Business Checking account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH transaction are a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per Tax ID#. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA Your Savings Insured To $250,000 Per Account, American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Trademarks: Kasasa, Ltd., registered in the U.S.A.

• Free account that builds your business savings effortlessly 
• Links to Elite Business Checking and Rewards Business Checking 
• 2.00% APY* on balance in account
• No monthly service charge 
• No minimum balance to earn rewards 
• Free digital banking, including: 
  • Free online banking 
  • Free mobile banking with mobile deposit 
  • Free e-Statements 
• $25 minimum deposit to open 

It’s So Easy to Earn Your Rewards 

Qualifying for your Elite Business Checking or Rewards Business Checking rewards automatically qualifies you for the highest Rewards Business Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Elite Business Checking or Rewards Business Checking account during each Monthly Qualification Cycle: 

Elite Business Checking Qualifications

• $5,000 minimum balance 
• 1 ACH Credit/Direct Deposit or ACH Debit 
• 10 POS transactions OR a Business Loan 

Rewards Business Checking Qualifications

• 1 ACH Credit/Direct Deposit or ACH Debit 
• 10 POS transactions

That's it. And even if you don't meet your qualifications during the cycle, your Elite Business Checking and Rewards Business Checking accounts are still free. Plus, you'll still earn our base dividend rate on the Rewards Business Savings Account. And you can get right back to earning your full rewards the very next month.