Business Checking Accounts
Checking accounts for your St. Louis business.
Find the right business checking account for your payroll and cash flow needs, with smart features, powerful protection and hometown convenience.
- Intuitive digital banking
- Deposit insurance*
- ACH & payment processings
- Money transfers
View Details
*Federally insured for $250,000 by NCUA. Plus, additional coverage of $750,000 provided by Excess Share Insurance Corporation, a licensed insurance company.
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Choose the checking account that's right for your business.
Looking for a simple free account or one that’s packed with rewards? Vantage has multiple options to support St. Louis businesses.
Business Rewards+ Checking
Our highest level of business checking benefits all in one account.
Learn More
Monthly Fee
Free
with eStatements and ≤20 transactions/month
with eStatements and ≤20 transactions/month
Fee waived
with $2,500+ balance^
with $2,500+ balance^
Only $25
for nearly $4,000 in annual benefit value✝
for nearly $4,000 in annual benefit value✝
Interest
None
2.0% APY‡
2.0% APY‡
Perks
- Digital Banking
- Debit Card
- eStatements
- Digital Banking
- Debit Card
- eStatements
- Work Perks
- Cyber Liability Protection ($10,000 Limit)
- Ransom Threat Protection ($1,000 Limit)
- Business Bill Negotiation
- Tax Filing
- Digital Banking
- Debit Card
- eStatements
- Work Perks
- Cyber Liability Protection ($50,000 Limit)
- Ransom Threat Protection ($10,000 Limit)
- Business Bill Negotiation
- Tax Filing
- Business ID Theft Aid
Business Checking
Simple banking for essential needs.
Monthly Fee
Free
with eStatements and ≤20 transactions/month
with eStatements and ≤20 transactions/month
Interest
None
Perks
- Digital Banking
- Debit Card
- eStatements
Best Value
Business Rewards Checking
Perks and protection built for your business.
Monthly Fee
Fee waived
with $2,500+ balance^
with $2,500+ balance^
Interest
2.0% APY‡
Perks
- Digital Banking
- Debit Card
- eStatements
- Work Perks
- Cyber Liability Protection ($10,000 Limit)
- Ransom Threat Protection ($1,000 Limit)
- Business Bill Negotiation
- Tax Filing
Business Rewards+ Checking
Our highest level of business checking benefits all in one account.
Monthly Fee
Only $25
for nearly $4,000 in annual benefit value✝
for nearly $4,000 in annual benefit value✝
Interest
2.0% APY‡
Perks
- Digital Banking
- Debit Card
- eStatements
- Work Perks
- Cyber Liability Protection ($50,000 Limit)
- Ransom Threat Protection ($10,000 Limit)
- Business Bill Negotiation
- Tax Filing
- Business ID Theft Aid
View Details
^ Keep a $2,500 daily balance and we'll waive the $20 monthly fee.
† Subject to the terms and conditions detailed in the Guide to Benefits. Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
‡ APY=Annual Percentage Yield. Interest paid on balances up to $5,000. Rate effective 12/23/2025 and may change after account opening. Fees could reduce earnings. Please refer to the Business Agreements and Disclosures for complete details.
† Subject to the terms and conditions detailed in the Guide to Benefits. Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
‡ APY=Annual Percentage Yield. Interest paid on balances up to $5,000. Rate effective 12/23/2025 and may change after account opening. Fees could reduce earnings. Please refer to the Business Agreements and Disclosures for complete details.
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Can’t wait? Find a Location Near You or Call Us at 314.298.0055
Can’t wait? Find a Location Near You or Call Us at 314.298.0055
We have answers
FAQs
What documents are required to open a business checking account?
To apply for a business checking account with Vantage, you’ll need a piece of personal identification (like a driver’s license or passport), your Employer Identification Number (EIN) (or Social Security Number (SSN) for sole proprietorships), and business formation documents (such as articles of incorporation or an operating agreement). Please contact us at 314.298.0055 or info@vcu.com for details and additional information.