Last Updated: 04/18/2025
Embold FCU Business Plus Checking Account
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Last Updated: 04/18/2025
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Highlights
Monthly Maintenance Fee
$10(Verified 03/19/2025)
ATM Fee: Out-of-Network (within the U.S.)
$1.50
Minimum Average Balance to Avoid Monthly Service Fee
$5,000
APY (Annual Percentage Yield)
3.92% - 6.00%(Verified 06/21/2024)
Embold FCU Business Plus Checking Account Review
Embold FCU Business Plus Checking Account is offered by Embold Federal Credit Union, a credit union founded in 1957 and based in Oak Grove, OR. Embold FCU Business Plus Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 6.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 6.00%, which is much higher than the average for the checking accounts that we track
- Waivable monthly maintenance fee. Monthly fee is waived if $5,000 minimum daily balance is maintained.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Embold FCU Business Plus Checking Account does not charge fees on ATM transactions within its network but there is a fee of $1.50 for out-of-network ATM transactions .
- Up to $25.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Embold Federal Credit Union mobile or online banking.
Embold FCU Business Plus Checking Account Pros & Cons
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Embold FCU Business Plus Checking Account FAQ
Are business checking accounts from Embold Federal Credit Union federally insured?
Yes, your business checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Embold FCU Business Plus Checking Account offer?
Embold FCU Business Plus Checking Account offers an APY starting at 3.92% and ranging up to 6.00% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY.
| Rates | Amount |
| APY (Annualized Percentage Yield) | 3.92% - 6.00% |
What are the account minimums for Embold FCU Business Plus Checking Account?
Embold FCU Business Plus Checking Account does not require a minimum initial deposit.
| Description | Amount |
| Minimum Initial Deposit | $0.00 |
| Minimum Balance to Avoid Monthly Fee | $5,000.00 |
What fees does Embold FCU Business Plus Checking Account charge?
This account charges a monthly maintenance fee of $10.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $18.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $55.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $8.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Monthly fee is waived if $5,000 minimum daily balance is maintained. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Embold FCU Business Plus Checking Account offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $25.00.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Embold FCU Business Plus Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
SundayClosedMonday9:00AM - 5:30PMTuesday9:00AM - 5:30PMWednesday9:00AM - 5:30PMThursday9:00AM - 5:30PMFriday9:00AM - 5:30PMSaturday9:00AM - 1:00PM
Other Services by Embold Federal Credit Union
Other Business Checking Accounts from Embold Federal Credit Union
Rating not yet determined
Monthly Service Fee
$6
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$1.50
Minimum Average Balance to Avoid Monthly Service Fee
$1,500
APY (Annual Percentage Yield)
N/A
Rating not yet determined
Monthly Service Fee
$10
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
$1.50
Minimum Average Balance to Avoid Monthly Service Fee
$3,000
APY (Annual Percentage Yield)
N/A
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