For Businesses

You can bank on our business products and services. We simplify money management so you can focus on what matters: building a successful company.


Our approach also gives you 24/7 access to your business accounts. Whether you’re working at your office, traveling cross-country, or paying company bills while on vacation, PSECU makes accessing your accounts simple and secure. We offer all the products and services you’ll need for your business—right at your fingertips:

Pay bills and accept deposits with this cost-saving account. There’s no minimum required balance, no monthly check limits, and you pay no monthly service charge. Need the safety of overdraft transfer service? That’s included, too. See our current checking rates
Our no-annual-fee credit card makes it simple to control your cash flow and track your company’s expenses. Learn more about our Business Credit Card.
Make your company’s excess funds work harder by earning dividends. You only need to maintain $500 in Business Savings or $2,500 in a Business Money Market account to earn advertised APY. A low $5 minimum balance is required. See our current business savings and certificate rates.
We offer financing options designed just for businesses, including equipment, term, auto, and real estate loans. Need maximum flexibility? Consider a business line of credit. Learn more about our business loans.
Make deposits, pay bills, and monitor your business anytime, anywhere with PSECU’s digital banking services. Check out our easy and convenient banking tools.

Get paid faster. Set up your company to accept all major credit cards, as well as debit and ATM cards for customer payments through our partner, Newtek Business Services, Inc. Payment processing benefits include:  

  • Affordable point-of-sale equipment, including wireless and internet-enabled terminals, as well as all-in-one terminals that support multiple applications
  • Increased cash flow and sales opportunities
  • Tracking and reports available directly from terminal

Call  PSECU Business Services at 800.237.7328, ext. 3875 or apply online.

Open a PSECU Business Account

We’re a member-owned credit union. Before you open a business account with us, you’ll need to become a PSECU member. 

If you’re a Pennsylvania resident, it’s likely that you’re eligible to join. Learn more about the many ways to be a member.  
The kind of application paperwork we’ll need from you depends upon the legal structure of your business: 

Please Note: Sole Proprietorships do not need to complete the beneficial ownership section of the Business Account Application.

Add a Service to Your Business Account

If you already have a PSECU business account and would like to add another service, use this application.

Please Note: Sole Proprietorships do not need to complete the beneficial ownership section of the Application for Additional Business Products & Services.

Business Service Charges

  • Stop payment: $25 per check
  • Stop payment, series of two or more items: $30
  • Non-sufficient funds (NSF): $30
  • Returned deposit: $7 per item
  • Copy of cleared check/cancelled check: $1
  • PIN (Personal Identification Number) mailed to you, if requested more than two times: $1
  • Account paper statement copy (Note: the most recent quarterly statement or last two monthly statements are free): $5 per account
  • Dormant Accounts: An account is considered dormant if there has been no activity or account owner and/or agent initiated correspondence for at least one year. PSECU will assess a $2 monthly fee to these accounts. If an account has $2 or less, the total amount remaining will be charged and the account closed. To avoid the fee, account owners and/or agents can simply make a deposit/withdrawal or contact PSECU: $2 per month
  • Address change (PSECU will assess this service charge if you move and fail to tell us your new address for the entire previous calendar year): $10
  • Foreign ATM deposit (non-PSECU ATM): First 3 deposits free per month, then $4 for each additional monthly deposit
  • ATM deposit adjustment (e.g., entry errors, math errors, deposit incorrect endorsements, etc.): $4
  • Up to four cards (one per individual): Free
  • More than four cards per account: $5 per card
  • Annual fee: None
  • Over-limit fee: None
  • Inactivity fee: None
  • Late fee: Up to $20
  • Replacement credit cards: $5 per card
  • Digital Banking: Free
  • Business Bill Payer Service: Free
  • First 50 bill-payment transactions per month: Free
  • 51 or more bill-payment transactions per month: $.50 (50 cents) per bill
Regular Savings Share: $500
Money Market Savings: $2,500
Checking: $2,500
Important: PSECU reserves the right to add, terminate, or make other changes to these service charge fees at any time.
Secure your company's accounts

Misplace your business debit or credit card? Immediately lock it from online banking or our mobile app. Once you find your card, unlock it and you’re good to go.

Learn more
Building our community

We believe in “people helping people.” That’s why we support Pennsylvania organizations that help families, protect the environment, and encourage healthy living.

Learn more
Our digital focus

Save your company time: Monitor your accounts, pay bills, and make deposits online or through our mobile app.

Learn more
Rates and information are subject to change at any time. Fees could reduce earnings on the account(s). The disclosed dividend rates are variable and may change after the member opens the account(s). Business checking accounts require a minimum of $2,500 to earn the advertised Annual Percentage Yield (APY).