As we perform routine maintenance on Xceed Online and Xceed Mobile, users may experience intermittent downtime on Sunday, October 21, with definite downtime occurring between 7 p.m. and 11 p.m. PT. If you need help at any time, just call 844.378.5202.

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BUSINESS ACCOUNTS

My business go-to

Xceed Business Accounts

Account type Best if you want … APY1
Business Savings
Best if you want …

A basic savings account for every business

APY1
0.05%
  • Open with a $100 minimum deposit
  • Earn dividends on balances over $100
  • Use as overdraft protection² for Xceed Business Checking
Business Money Market
Best if you want …

Higher dividends with the liquidity to address immediate business needs

APY1

0.25% up to 0.80%

  • Open with a $1,000 minimum deposit
  • Earn monthly dividends and pay $0 in service fees with a $1,000 minimum balance
  • Earn higher dividends than regular Business Savings
  • Get up to six free withdrawals per month
Business Share Certificate
Best if you want …

Our maximum fixed rate of return

APY1

0.01% up to 2.50%

  • Open with a minimum deposit of $500
  • Select a term from one month to 24 months³
  • Renew automatically at term end
  • Funds federally insured up to $250,000

Get Started

Open a Business Account
Contact Us »

Xceed Business Checking

Consolidate spending, track purchases and manage your business accounts online. Get the business checking account that fits you best.

  • No minimum opening balance
  • Up to 100 paid items and 10 in-branch deposits a month, fee-free

Get Started

Open a Business Checking Account
Contact Us »

Visa® Debit Card

Enjoy a faster, simpler way to spend. The Visa Business Debit Card is the smart way to pay your business expenses.

  • Accepted by 28+ million merchants worldwide
  • Surcharge-free withdrawals at Xceed ATMs and at 80,000+ ATMs in our network
  • Multiple security layers, including Visa Liability Policy, Identity Theft coverage and more

Contact Us »

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Order Checks

It’s easy to order checks for your Xceed business account. Just contact Harland Clarke® at 800.503.2345 or use their online order form.

Info You’ll Need

Please have our routing number handy (322275490), along with your Xceed business checking account number.

Xceed Business Services

Whether you’re starting from scratch or working to grow a successful business, Xceed offers products, services, simplicity and expertise to satisfy your financial needs.

Checklist to Get Started

We’re excited to connect you with the tools and resources to take your businessto the next level. Please gather the following info to get us started, and then contact us.

Sole Proprietorship

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter, if applicable

General Partnership

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • Executed partnership agreement indicating who’s authorized to open accounts and transact business on behalf of the partnership
  • Certified Statement of Partnership Authority (Form GP-1) or equivalent

Limited Partnership

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • Executed partnership agreement indicating who’s authorized to open accounts and transact business on behalf of the partnership
  • Certified Certificate of Limited Partnership (Form LP-1) or equivalent

Limited Liability Partnership

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • Executed partnership agreement indicating who’s authorized to open accounts and transact business on behalf of the partnership
  • Certified LLP Registration (Form LLP-1) or equivalent

Limited Liability Company (LLC)

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • Executed partnership agreement indicating who’s authorized to open accounts and transact business on behalf of the partnership
  • Certified LLC Registration (Form LLC-1 or equivalent)

Corporation

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • IRS tax-exempt status certification letter, if non-profit corporation
  • Certified Articles of Incorporation
  • Certified certificate of good standing
  • Corporate By-Laws
  • Executed Corporate Board Resolution Indicating who’s authorized to open bank accounts, sign documents, and transact business on behalf of the corporations

Business Trust

  • Current business license
  • Current certified Fictitious/Assumed Name Statement and Proof of Publication, if applicable
  • IRS EIN Certification Letter
  • Executed trust indicating who’s authorized to open bank accounts, sign documents, and transact business on behalf of the trust

Unincorporated Organization or Association

  • Executed Board Resolution or Minutes indicating who is authorized to open bank accounts, sign documents, and transact business on behalf of the organization
  • Charter of By-Laws or governing rules

Tools & Tips

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Using Credit Cards Wisely

Credit cards are a valuable financial tool. They allow you

woman reviewing documents

Taking Charge of Your Financial Future

With the New Year often comes new resolutions to be

woman relaxing reading book

Save for the Long Term

So, you’ve had a regular savings account for years, and

Let’s Get Started

Visit a Financial Center to open your account
Find a location »
Give us a call to open a business account today
800.XFCU.222
Face to face, anywhere — video chat with us
Xperience Center »

Disclosures

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/9/2018 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions subject to change at any time. Please ask an Xceed Financial associate for details.

²Overdraft Privilege is only available on checking accounts and may not be available immediately. You will be charged a $34 Overdraft Privilege fee for each overdrawn paid item created by check, ACH, ATM card, debit card, in-person withdrawals, or other electronic means. For example, three overdrawn paid items in one day will result in three separate Overdraft Privilege fees. There is no limit on the amount of Overdraft Privilege fees that may be imposed on an account, except for the $1000 Overdraft Privilege limit. For overdrawn paid items $5 or less, one $34 Overdraft Privilege fee per calendar quarter will be rebated no later than the third business day following the date of the posting of such fee when during that same quarter the overdrawn paid item is posted. You should make every attempt to bring your account to a positive end-of-day balance as soon as possible and must do so within 35 calendar days. We may refuse to pay an overdraft item if you do not maintain your account in good standing, if you fail to bring your account to a positive end-of-day balance within the above mentioned time frame, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy. Programs, terms and conditions subject to change at any time without notice. Refer to the Overdraft Privilege Brochure for details.

³There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends.

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