You work hard for your money, and we help you get paid 2 days sooner! No more waiting until payday.
Business Checking Accounts
Built for local businesses. First 6 months free for new members.
Business Banking That Works as Hard as You Do
First Community Credit Union helps Wisconsin and Illinois business owners manage cash flow, control costs, and grow with confidence. Our business checking and money market accounts give you lower fees than most banks, dividend-earning options on qualifying balances, and full digital access through Online Banking and the FirstCCU Mobile App — so you can monitor activity, pay invoices, and transfer funds from anywhere.
Why Business Owners Choose FirstCCU
As a member-owned credit union, FirstCCU returns value to business members through lower fees, competitive rates, and personalized service from a local team that knows the Stateline region. Whether you're running a side hustle or a growing storefront, you get banking built around your business — not a national footprint chasing quarterly earnings.
Business Checking Accounts in Wisconsin and Illinois
Find a checking account that fits your transaction volume and growth stage.
FirstCCU offers two business checking options for local businesses across the Stateline region. Prosper Business Checking is built for small businesses and sole proprietors managing routine transactions. Prosper Business Checking+ is designed for higher-volume operations that also want to earn dividends on their balance.
Both accounts come with a debit card, overdraft protection up to $1,000, and the first six months of monthly service fees waived for new business members.
| Feature | Prosper Business Checking | Prosper Business Checking+ |
|---|---|---|
| Minimum Balance to Open | $500 | $2,500 |
| Transaction Limit | 150 per month | 300 per month |
| Transaction Fee | $0.25 per transaction over 150 | $0.25 per transaction over 300 |
| Debit Card | Yes | Yes |
| Monthly Service Fee | $4.99, waived with $500 minimum balance | $4.99, waived with $2,500 minimum balance |
| Earns Dividends | No | Yes1 |
| Overdraft Protection | Up to $1,000 | Up to $1,000 |
Business Money Market Accounts
Grow your business reserves with tiered dividends and easy access to your funds.
The Prosper Max Money Market Account rewards higher balances with higher dividend rates. Earn 2.85% APY* on qualifying balances, with your deposits insured up to $1 million through a combination of NCUA federal coverage and Excess Share Insurance.1
Four tiered account options give your business room to grow, and you can make up to six fee-free withdrawals per month — so your money earns while staying accessible when you need it.
Talk to a Business Banking Specialist
Have questions or ready to open an account? Call or text Ty McLaughlin at 608-368-7679 or email [email protected].
Solutions to give your business an edge
Working hard for your bottom line - from online and mobile banking to credit card processing.
Business Services
Set up some financial backup
Protect your account with Overdraft Coverage options.
*APY = Annual Percentage Yield. Rates are variable and subject to change. Fees may reduce earnings. Refer to our Business Truth In Savings Disclosure for current rates, minimum balance requirements, and full account terms.
1NCUA's basic federal coverage insures credit union member deposits up to $250,000. Accounts exceeding NCUA coverage are insured up to an additional $750,000 by Excess Share Insurance Corporation (ESI), a licensed insurance company. For details on federal deposit insurance or how to structure your accounts for greater federal coverage, contact NCUA or your credit union.
Federally insured by the NCUA.
