Business Checking Accounts

Grow your business while supporting the environment

Open a Checking Account Already a member? Add an account.

Your Small Business Can Help Fund the Clean Energy Movement

If you’re a sole proprietor or own a business with a low volume of monthly transactions, our climate-friendly business checking account may be the account for you.

Earn 2.55% APY Interest On Your Dollars

Get rewarded while you grow your business. Earn cash back for using your debit card, receiving direct deposits, getting a clean energy loan, or having an average deposit balance of $2,500 or more. See the conditions below.

Checking Accounts
Deposit Balance¹	Dividend Rate²	APY
¹ Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0 ² Rewards checking dividend rate applies in any given month where any two of the following conditions are met: – 10 debit card transactions in that same month; – At least $1,000 in direct payroll deposits in that same month; – An outstanding Clean Energy Loan (of any type) in that same month; – At least $2,500 on deposit (combined average balance in all accounts) in that same month. Limited to one Rewards Checking account per member account (individual or joint)
Deposit Balance¹ Any Balance	Dividend Rate² 0.01%	APY 0.01%
Deposit Balance¹ $0-$15,000 (with reward checking)²	Dividend Rate² 2.55%	APY 2.55%
Deposit Balance¹ > $15,000 (with rewards checking)²	Dividend Rate² 0.12%	APY 0.12%

Climate-Friendly Banking with Great Benefits

Enjoy the convenience and benefits of our Rewards Checking with the full confidence that your dollars are having a positive impact on the planet. And the best part? No monthly maintenance or overdraft fees.

Climate-friendly debit cards

Our debit cards are made from bio-based, industrially compostable, polylactic material.

Minimal Fees

Say goodbye to fees! No monthly fees, ATM fees or overdraft fees

Shared Branch & ATM Network

Take advantage of over 32,000 shared ATMs or 5,600+ shared credit union branches throughout the country.

Member Service Team

Call us for help with questions or to process phone transactions.

Open an account

Is a Clean Energy Credit Union Business Checking Account Right for Your Business?

While our checking account features are limited compared to a traditional business checking account, our climate-friendly, high interest accounts could be the right fit for your business if:

Sole Proprietor or Individual Owner

You own a small business and your business uses the account in a similar way that an individual would

Limited Transactions

Your business does a limited number of monthly transactions and is looking for a way that your money can do good

Limited Online & Mobile Banking Users

Our checking accounts best serve organizations with a single or limited number of online and mobile banking users

See our rates & terms

See required documentation for opening a business account here.

We Offer a Variety of Services for Your Business to Support the Planet and Earn High Returns

Business Certificates

Boost your bottom line and help others afford clean energy with a CD account. Your money will grow in a secure place where it can help the movement.

Lock in Your Rate Today

Business Money Market Accounts

Earn dividends while having access to your funds at any time with a Money Market Account.

Open a Money Market Account

What is the Impact of Your Dollars?

Calculate the carbon offset of your accounts.

Got Questions? We’ve Got Answers.

First, you need to ensure that you’re eligible to join Clean Energy Credit Union by being in its “field of membership,” which currently includes being one of the following:

A member of one of the following organizations:
An employee or volunteer of one of the following organizations:
A member of the immediate family or household of someone who is eligible via one of the above options or of someone who is already a member of Clean Energy Credit Union

If you’re not already eligible to join Clean Energy Credit Union, you can consider joining one of the above organizations. An individual membership in American Solar Energy Society, for example, currently costs as little as $10 (NOTE: you must enter the discount code and select a Digital-Only Basic membership). Click here to learn more about the field of membership partner organizations listed above.

After confirming your eligibility, you would then open a “share account” (i.e. savings account) with a $5 minimum deposit which would serve as your ownership share in Clean Energy Credit Union. Once someone becomes a member of the Credit Union, they are a member for life. Click here to join Clean Energy Credit Union.

In case it helps, here’s some background on what a credit union “field of membership” is: although credit unions provide similar services as banks, they are different from banks in many ways. For example, a credit union is a not-for-profit, financial services cooperative that exists solely to serve its members and to fulfill its mission, whereas a bank exists to maximize financial returns for its stockholders. Another difference is that a bank can serve the general public whereas a credit union can only serve its “field of membership,” which is defined by regulators as the people and entities that are legally eligible to join the credit union. Ultimately, a credit union’s field of membership is comprised of one or more groups of people and entities that all have something in common that binds them together in some way. Many credit unions have a field of membership that includes people who work for a certain employer, or who live in a certain geographic area, or who are members of the same professional association or religious organization.

Business Solutions requires certain business-governance documents (the operational rules) for your business. The documents required—and what goes in them—will vary based on the structure of your business and any applicable state and local requirements. Consulting with business counselors, attorneys and accountants can prove helpful. Specifics on the documentation needed can be found here.

You can open an account by applying online here. There is a $25 opening deposit required, but no ongoing minimum monthly balance required after that. In order to open a checking account, you must also open a savings account.

Savings accounts require a $5 minimum balance to maintain the account (and to maintain your membership in the Credit Union). Checking accounts require a $25 minimum deposit to open the account, but no ongoing minimum monthly balance is required. Money market accounts require a $2,500 minimum balance to maintain the account.

If you have a checking account and a debit card, you can make up to five free ATM withdrawals per month from any of 32,000+ MoneyPass® shared ATM machines throughout the USA (and international travelers can use any of 2.1 million Cirrus ATM’s worldwide where fees may apply). You can download the MoneyPass® mobile app to locate the nearest network ATM. You can also use your debit card to get free cash back at the “point of sale” (e.g. when making a purchase at your local grocery store).

There are a variety of ways you can utilize our services including:

Online Banking: You can access your accounts securely from any computer with our user-friendly online banking platform. Members can easily:
- View account balances and up to 90 days of transaction history
- Transfer funds between your Credit Union accounts or other U.S. financial institutions
- Schedule or cancel transfers, and track transfer history
- Leverage Bill Pay services
- Manage your debit card with card controls
Mobile App: Our secure mobile app also allows you to manage your account from your tablet or mobile phone. Download the app and get access to:
- Mobile check deposit
- Account balances and transactions
- Schedule bill payments
- Transfer money between your accounts
- Locate ATM and shared branch locations
- Leverage Bill Pay services
Shared Branches: Our shared branch network allows members to perform a range of transactions at other credit unions throughout the country. Find a location near you.
Mail: You can mail checks for deposit to us at Clean Energy Credit Union PO Box 4233 Englewood, CO 80155

Depositing funds into your account is easy with our mobile deposit feature within the Clean Energy Mobile Banking App. If you haven’t already, download the app from the app store. Log in to the app. Tap the “Check Deposit” option at the bottom of the screen. Follow the instructions to take photos of the front and back of your endorsed check.

These video tutorials walk you through how to use card controls on desktop and mobile device.

Video: Using Card Controls in Online Banking

Video: Using Card Controls in the Mobile App

See all FAQs