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Business Fees & Charges
Business Banking Fees & Charges.
Running a business is challenging enough—understanding your banking fees shouldn’t be. At Frontwave Credit Union, we’re committed to clear, straightforward pricing with no hidden surprises. Whether you’re managing cash flow, processing payments, or growing your operations, we offer competitive rates and transparent fee structures to support your success. Have questions? Our Business Banking team is here to help.
Business Analyzed Checking Account Fees*
|
Service Type
|
Details
|
Amount
|
|---|---|---|
| Deposit | $1.45 | |
| Check Deposit | $0.15 | |
| Check Cleared | $0.10 | |
| Per $1,00 of Cash Activity | - If more than $20,00 per month | $0.60 |
*For complete pricing details and a personalized account analysis, please contact a Business Banker.
Business Card Service Fees
|
Service Type
|
Details
|
Amount
|
|---|---|---|
| ATM Transactions | - Frontwave Credit Union | FREE |
| ATM Transactions | - CO-OP | FREE |
| ATM Transactions | - Non CO-OP | $1.50 |
| Card Replacement | Not Applicable | $5.00 |
| Expedited Card Delivery | Not Applicable | $30.00 |
| International Service Assessment | *Percentage of transaction value | 1.00%* |
Business E-Commerce Fees
|
Service Type
|
Detail
|
Amount
|
|---|---|---|
| Internet & Mobile Banking | Not Applicable | FREE |
| Mobile Check Deposit | Not Applicable | FREE |
| Online Bill Pay | Not Applicable | FREE |
| Remote Transfers | - Institution 2 Institution (Incoming) | FREE |
| Remote Transfers | - Institution 2 Institution (Outgoing) | FREE |
| Remote Transfers | - Person 2 Person (Outgoing) | FREE |
IOLTA
|
Service Type
|
Fee Amount
|
|---|---|
| Monthly Fee | FREE |
Military Checking
|
Service Type
|
Fee Amount
|
|---|---|
| Monthly Fee | FREE |
Business Service Fees
|
Service Type
|
Detail
|
Amount
|
|---|---|---|
| ACH Origination Services | - ACH Set up fee (one time) | $100.00 |
| ACH Origination Service | - ACH origination monthly fee | $25.00 |
| ACH Origination Services | - ACH per item | $0.25 |
| Cashier's Check | - One per day | FREE |
| Cashier's Check | - Beyond one per day | $3.00 |
| Check Copy | (per item) | $2.00 |
| Counter Check | (per sheet) | $2.00 |
| Foreign Check Processing | - US Dollars (per check) | $20.00 |
| Foreign Check Processing | - Non US Dollars (per check) | $25.00 |
| Plus prevailing fee for current exchange | ||
| Non-Member Check Cashing* | (per check) | $5.00 |
| Non-Member Check Cashing* | *Waived for checks under $50 | |
| Compliance with Legal Orders | $100.00 | |
| Overdraft Protection Transfer | (from Savings) | $2.00 |
| Returned Item | - Non-sufficient Funds (NSF) Fee | $29.00 |
| Returned Item | - Returned Loan Payment | $15.00 |
| Returned Item | - Returned ACH Origination | $15.00 |
| Positive Pay | $25.00/month | |
| Statement Copy | (per statement) | $2.00 |
| Stop Payment | - ACH or Check | $25.00 |
| Stop Payment | - Cashier’s Check (with Indemnification Agreement) | $25.00 |
| Domestic Wire Transfer | - Outgoing | $25.00 |
| Domestic Wire Transfer | - Incoming | FREE |
| International Wire Transfer | - Outgoing | $50.00 |
| International Wire Transfer | - Incoming | $30.00 |
Checking Account Fees by Account Type
|
|
eBusiness Checking/Nonprofit Checking
|
Business Checking
|
Dividend Business Checking
|
|---|---|---|---|
| Minimum Opening Deposit | $50 | $50 | $50 |
| Monthly Fee | FREE | $10 | $15 |
| Monthly Fee Waived if | N/A | Maintain an average daily balance of $500 in the account | Maintain an average daily balance of $1,000 in the account |
| Monthly # Deposit Limit | Unlimited free using Mobile App $1 per in branch | N/A | N/A |
| Maximum Total Monthly Cash Transactions (Deposit & Withdrawal Combined) |
$2 per $1,000 or part thereafter | N/A | N/A |
| Business Visa Debit Card | FREE | FREE | FREE |
| Online & Mobile Banking | FREE | FREE | FREE |
| Mobile Deposit | FREE | FREE | FREE |
| Bill Pay | FREE | FREE | FREE |
| eStatements | FREE | FREE | FREE |
| Paper Statements | eStatements Only | $2/month | $2/month |
| Check Images Online | FREE | FREE | FREE |
Fees Effective November 1, 2026
View printable PDF
Banking Built for
Business.
We know how much work you’ve put into building your business—and we’re here to help you take it to the next level. Ready to get started? Fill out the form below, and one of our Business Banking experts will be in touch soon.
Business Checking Account Fees by Account Type
Select the accounts you want to compare:
eBusiness Checking
Frontwave Business Checking
Dividend Business Checking
Minimum Opening Deposit
Minimum Opening Deposit
$50
$50
$50
Monthly Fee
Monthly Fee
$0
$101
$152
Monthly Fee Waived if
Monthly Fee Waived if
N/A
Maintain an average daily balance of $5,000 in the account or $10,000 in combined relationship balances.3
Maintain an average daily balance of $10,000 in the account or $25,000 in combined relationship balances.3
Monthly Combined Transaction Limit
Monthly Combined Transaction Limit
Unlimited
3004
5004
Monthly # Deposit Limit
Monthly # Deposit Limit
Unlimited; free using Mobile App or $1 per in branch
20
30
Maximum Total Monthly Cash Transactions (deposit & withdrawal combined)
Maximum Total Monthly Cash Transactions (deposit & withdrawal combined)
$2 per $1,000 or part thereafter
$10,0005
$25,0005
Paper Statements
Paper Statements
eStatements only
$2/month
$2/month
Additional Features
Additional Features
Free Business Visa® Debit Card
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Free Business Visa® Debit Card
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Free Business Visa® Debit Card
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Free Online & Mobile Banking
Free Mobile Check Deposit
Free eStatements
Free electronic Bill Pay
Free Check Images Online
Disclaimers
1The $10 monthly fee for Frontwave Business Checking can be waived by maintaining an average daily balance of $5,000 or $10,000 in combined relationship balances.
2The $15 monthly fee for Dividend Business Checking can be waived by maintaining an average daily balance of $10,000 or $25,000 in combined relationship balances.
3Relationship balance is the sum of all deposit and loan balances under the same Tax ID.
4Includes any combination of debits, credits and deposited items. Excluding debit card transactions. $0.25 per item thereafter.
5$2 per $1,000 or part thereafter
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