Simple, straightforward checking account with no monthly maintenance fees.

Elemental Checking is a great fit for businesses looking for an easy, no-frills account to manage everyday transactions.

Account features include:

• No minimum balance requirement
• No transaction limits
• No per-transaction fees
• Non-interest bearing account
• Includes Ignite CU Business Online Banking and Mobile App

With Elemental Checking, you’ll have access to the essential tools your business needs without added costs or restrictions.

Enhanced business checking with expanded digital banking capabilities.

Luminary Checking is designed for businesses that need more advanced tools to manage cash flow, streamline operations, and support future growth.

Account features include:

• $30 monthly maintenance fee
• No minimum balance requirement
• No transaction limits
• No per-transaction fees
• Non-interest bearing account
• Enhanced Ignite CU Business Online Banking
• Mobile Banking App access
• QuickBooks Direct Link
• Available add-on treasury management services
  • ACH Positive Pay^**
  • ACH Origination^**
• Additional perks coming soon

Start building your business savings with a simple Regular Share Savings Account.

• Establishes your membership: Your Regular Share Savings Account establishes and maintains your business membership with Allegan Credit Union.
• Keep business funds organized: Maintain dedicated business savings separate from your everyday operating funds.
• Prepare for future business needs: Set money aside for unexpected expenses, upcoming purchases, seasonal needs, or future investments.

Put your business savings to work with tiered rates based on your account balance.

Money Markets are ideal for businesses that want to maintain access to funds while earning a competitive rate on higher balances.

Current Rates: 

• 3.75% APY* = $15,000 - $250,000
• 2.00% APY* = $250,000.01 - $500,000
• 0.10% APY* = $500,000.01 - $9,999,999