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Commercial Accounts
Everything you need for everyday business

Whether you’re an established business or just starting out on your own, Red River Credit Union Commercial Checking, Savings, and Extended Services are designed to quickly and conveniently give you access to your funds and provide the tools to manage your cash flow. With Red River Credit Union Commercial Checking, we offer FREE Visa® Debit Cards. Simply present your card anywhere that accepts Visa and the purchase amount is deducted from your Commercial Checking account.

RRCU Commercial Services extend to ACH Control, Wire Transfers, Access Control, Merchant Processing, and more! For all Commercial account questions, contact our Commercial Services Team at 903-735-3000 or CommercialServices@rrcu.com.

Commercial Savings

Earn

0.10 % APY

Commercial Checking

Earn

0.05 % APR

Commercial Money Market

Earn up to

1.40 % APY
  • Commercial Checking Account Options

    Sole Proprietor Checking

    This is the perfect account for Start-ups, Sole Proprietorships, or Organizations with low monthly check writing and deposit activity, lower account balances, and basic needs.

    • No Minimum Balance
    • No Transaction Limit or Monthly Maintenance Fee
    • Earns Monthly Dividends
    • $5 Monthly Fee (waived when electing eStatements and eNotices)

    Plus, enjoy our standard services for free:

    • Commercial Debit Card(s)
    • Online and Mobile Banking
    • RO$EY, our automated telephone teller
    • eStatements option with Quicken® or QuickBooks® compatibility

    Commercial Checking

    Commercial Checking is designed for Partnerships, LLCs, and Corporations. Convenient access to your funds is essential year-round. At Red River Credit Union, our Commercial Checking account has a full range of features tailored to your spending account needs.

    • No Minimum Balance
    • $5 Monthly Fee (waived when electing eStatements and eNotices)
    • No transaction fee for up to 250 transactions (Overage fee: 25¢ per transaction)
    • No Monthly Dividends

    Our standard free services are also included:

    • Commercial Debit Card(s)
    • Online and Mobile Banking
    • RO$EY, our automated telephone teller
    • eStatements option with Quicken® or QuickBooks® compatibility

    Enterprise Checking 

    Larger businesses need more than an average checking account. At Red River Credit Union, we offer our Enterprise Checking to support the large volume transactions occurring monthly for a low monthly fee. This account pairs nicely with our Extended Commercial Account Services.

    • $25 Monthly Maintenance Fee if monthly Average Balance is less than $50,000
    • No transaction fee for up to 500 transactions per month (Overage fee: 15¢ per transaction)
    • No Monthly Dividends

    This account also included these standard free services:

    • Commercial Debit Card(s)
    • Online and Mobile Banking
    • RO$EY, our automated telephone teller
    • eStatements option with Quicken® or QuickBooks® compatibility
  • Commercial Savings Account Options

    No matter your business needs, Red River Credit Union has a savings account that is sure to work for your business. Business Savings accounts come with all the standard benefits, including free online and mobile banking access.

    Commercial Savings

    • Minimum Deposit of $5
    • Earns Quarterly Dividends
    • Free Access to Online and Mobile Banking
    • Free Access to RO$EY, our automated telephone teller
    • Free eStatements option with Quicken® or QuickBooks® compatibility
    • One-time $5 Membership Fee applies

    Commercial Money Market

    Consider our Commercial Money Market account for a higher dividend rate and easy access to funds.

    • Minimum Required Balance is $2,500 (Minimum Balance Violation Fee: $5)
    • Minimum Check Clearing Amount is $500 (Transaction Violation Fee: $35)
    • Dividends are computed on the average daily balance and deposited at the end of each month
    • Only 6 Reg D Transactions allowed per month. Reg D transactions include the following: 
      • Checks
      • Internet Transfers
      • Debit Card Transactions
      • Preauthorized Transfers
      • Remote Transfers
      • Overdraft Transfers

    Commercial Special Savings (Special Purpose Account)

    An extra savings account is a perfect way to designate funds for a particular purpose. You'll enjoy the benefits of a regular commercial savings account and no minimum balance is required. 

    • Earns Quarterly Dividends
    • Tax Savings
    • Payroll Savings
    • Large Purchase Savings
    • Rainy Day fund
    • Setup auto transfers to build the balance throughout the year
  • Overdraft Protection

    Get peace of mind with optional overdraft protection for your Red River Credit Union Business Accounts and save yourself the complications, charges, and frustrating delays that come with non-sufficient funds. In the event that your Commercial Checking account has non-sufficient funds at the time a check is presented, the item may be paid from funds available in your Commercial Savings account.

    CONTACT US to find out more about Overdraft Protection options for your business. Some fee and restrictions may apply to Overdraft Protection Services.

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.