Business High-Yield Checking (HYC) - InTouch Credit Union
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Business High-Yield Checking (HYC)

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Open a Business HYC Account, Earn High Dividends!

Book an Appointment to Learn More

What is a Business High-Yield Checking Account?

What's an InTouch Credit Union Business High-Yield Checking Account? The answer to many businesses that want more from a checking account than managing cash flows or paying bills! Many business checking accounts offer little or no interest-earning potential. However, qualifying businesses now have the opportunity to earn a rate up to several times more than the national checking account average* with a Business High-Yield Checking (HYC) account.

Get all the same benefits offered by our consumer HYC account for your business. Commit to using your debit card for all or most of your purchasing needs (including everyday spending, reoccurring payments, utilities, subscriptions and more) and you could quickly attain the best rate tier available in a Business HYC account. Dividends are paid based on your net monthly debit card spend - the more you use your debit card, the higher your earnings will be based on the spending tier reached for the month.

*Subject to change.

Multiple Ways to Earn More with Business High-Yield Checking

By opening a Business HYC account, you unlock two unique features to maximize your earning potential!

The More You Use Your ITCU Business Debit Card, the Higher Your Dividend APY Will Be*!

Make every purchase, bill you pay and other reoccurring payments work for you! When you use your ITCU BHYC debit card, each qualifying payment counts towards a spending tier. The spending tier you reach each month will determine the dividend rate for the month, up to a maximum "cap" balance of 50,000.00.

Use our High-Yield Checking Monthly Debit Spend Calculator to see what tier you could qualify for. And don't forget that the same debit card spend counts for UChoose Rewards® points, too. (Click on uChoose Rewards® below for more info!)

Based on the spending tier reached for the month. Please note, a monthly fee will apply if debit card spending does not reach at least Tier 1 (minimum spending level) each month; see Fee Schedule for additional information.

A High-Yield Checking Share Certificate of Deposit (CD) Offers Higher Dividend Rates

With your Business HYC account, you can take advantage of account-exclusive, premium rates (over regular CD rates), on select CD terms!

Business HYC CDs earn an additional 25 basis points over regular CD rates, while an HYC account is active and in good standing.Ω

For as little as $1,000.00, you can enjoy special CD offers on 3-, 6-, 12-, 24-, 36- and 60-mo. CD! Visit our All Rates page to see current rates.

ΩThe Business HYC CD rate will be reduced to the equivalent regular CD term (at the time it was opened) if the HYC account is closed while the HYC CD is still open. Rates subject to change without notice. Early redemption fees may affect APY earned. For CD rates and disclosures, visit our All Rates page.

Earn More With An ITCU Checking Account!

Schedule an Appointment with Your Local PFA Today!

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Additional Benefits from Your Business High-Yield Checking Account

The following are included or available (most of them without additional charges), to complement a BHYC account:

Business High-Yield Checking FAQ

Are there other checking accounts that pay dividends on balances?

ITCU also offers the Prime Checking consumer account option that pays tiered dividend rates based on your account balance rather than debit card use. Pick the account that best suits your needs by using our checking comparison chart.

Where are the 30,000 surcharge-free ATMs that all ITCU members with checking accounts have access to?

CO-OP network ATMs are located in all 50 states and 10 countries. The nearly 30,000 ATM network is as large or larger than any large bank brand you may be familiar with. You can find an ATM near you by using this ATM locator.

Three Ways to Open Your Account

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.