At Ventura County Credit Union, we offer checking, savings, and money market accounts designed specifically for small and mid-sized businesses. Whether you need a basic account for daily operations or a revenue-generating money market account, we can help. As part of our business services, we will assist you in identifying the options that best suit your business so you can benefit from the same value and service we have provided our members for over 65 years.

Our Basic Business Savings Account

All VCCU members are required to maintain a basic savings account.

  • $5 member share to open account
  • Free Business Online Banking, Bill Pay and eStatements
  • ATM card for easy access to funds
  • 30,000+ free ATMs nationwide
  • No monthly maintenance fee

Checking and Money Market Accounts

We offer a Basic Business Checking Account and an Analyzed Business Checking Account, which require opening deposits of $200. Based on your cash flow and sales volume, we can advise you on which option offers the best fit. These accounts include the same features as our savings accounts, along with the following free services:

  • Mobile banking
  • ACH transfers
  • Overdraft protection
  • Loose and rolled coin processing
   Basic Business
Checking Account

Analyzed Business
Checking Account
Minimum balance to open
$200 $200
Earnings credit
n/a See rate sheet
Monthly service charge $10 $15
Minimum balance to waive
service charge
$1,500 n/a
Checks cleared free per
month
150 (.25 per check
thereafter)
 50 (.20 per check
thereafter)
Deposits per month
20 (max. 20
checks/deposit
5 (max. 20
checks/deposit)
Currency/rolled coin
processing
Free (max. $5,000 per
month)
 Free (max. $5,000 per
month)
Free loose coin
processing
Free (max. $1,000 per
year)
 Free (max. $1,000 per
year)
Business Debit
Card
Yes
Yes
Overdraft protection
Yes
Yes
Free ACH
Yes
Yes
Free eStatements
Yes Yes
Free Bill Pay plus Online
Banking
Yes Yes
Free Mobile Banking
Yes Yes
Free access to online
check images
Yes Yes
30,000+ free ATMs
nationwide
Yes Yes

If you want to see your funds grow faster, we also offer money market accounts. These accounts feature competitive rates that let you maximize your assets. Whether you're trying to cover a specific expense or build up an emergency fund, our money market accounts can make it easier.

Open an Account Today​

At Ventura County Credit Union, we have over 65 years of experience, and we guarantee exceptional service. Our business specialists are ready to work closely with you to determine which accounts and other financial products best meet your needs. To learn more or open your account, call us at 805.477.4000 or stop into any of our branches.