• Become a Member
  • Routing #: 325272212
  • Contact & Locations
  • Current Rates
    • Business Loans
    • Credit Builder Loans
    • Personal & Student Loans
    • Real Estate Loans
    • Vehicle Loans
    • Credit & Debit Cards
    • Credit & Debit Cards
    • Business Checking Accounts
    • Prime Checking
    • E-Z Checking
    • Simple Checking
    • Prestige Checking
    • Youth Pocket Cache
    • Overdraft Protection
    • Digital Wallet
    • Savings Accounts
    • Business Savings Accounts
    • Savings Certificates
    • Education Savings Accounts
    • Retirement Accounts (IRA)
    • Money Market Savings Accounts
    • Online & Mobile Banking Services
    • uChoose Rewards®
    • Bill Pay
    • Automated Telephone Teller
    • VISA Prepaid Cards
    • Custom Cards
    • Safe Deposit Boxes
    • More Services & Forms
    • Video Learning Center
    • Become a Member
    • Banzai Learning Center
    • Security Center
    • About Us
    • Employment
    • News Blog
    • Community
    • Prestige Program
    • Contact & Locations

Home Business Prime Checking

Business Prime Checking

  • Overview

    Business Prime Checking

    For Businesses and Non-profit Organizations

    A checking account that earns dividends is a smart business move. Low transaction fees and an affordable monthly fee make this account a smart way to manage your assets and help you reach your business goals.

    By offering a wide range of financial resources, including a dividend bearing business account, Spirit of Alaska can be your business’ primary financial resource.

     

    Earn interest through your business checking account

    • 0.25% APY* on your entire balance
    • Comes with customizable debit card
    • Online account access through e-Teller
    • No required opening balance
    • Competitive rate
    • Overdraft Protection**

    Earn Rewards with your Debit Card

    Spirit of Alaska and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!

    You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Spirit of Alaska debit card every day.

    Read More

    uChoose Rewards

    Connect your Digital Wallet

    Apple Pay, Google Pay, Samsung Pay Icons

    Spirit of Alaska debit cards can be added to your digital wallet for quick and convenient payments. Purchasing has never been easier and smarter, whether using your phone at checkout or with one click online.

    Read more about Digital Wallets

    Connect to Apple Pay, Google Pay and Samsung Pay

    Additional Information

    *Annual Percentage Yield. Refer to our Pricing Guide (PDF) for all fees. Fees may reduce earnings. Rates are subject to change at any time. Current as of 12 January 2018.

    **You will also have the choice of adding overdraft protection on business transactions for those who would benefit from that added feature. We do not offer our regular overdraft protection for Business Prime Checking. Overdraft transfers from savings and our Overdraft Line of Credit are available options.

    Making your bookkeeping even easier, business checking is improved by our Online Banking for Business platform with e-Teller.

    Over 5,000 branches through shared branching. NCUA insured up to $250,000.

    Check depositories available at our branch ATM’s and Peger Road ATM.

    Related Products & Services

    • Business Savings Accounts
    • Business Visa Platinum Card
    • Business Loans
    • CardValet®
    • uChoose Rewards®
    • Debit Cards
    • Digital Wallet
    • Online Banking for Business
    • More Services

    Resources

    • Pricing Guide
    • Customize Your Card
    • Notify Us of Travel
    • Lost & Stolen Cards
    • Tips for Running a Business from Banzai

    Learn with Banzai

    • Topic: Running a Business
    • Asset Depreciation Calculator
    • Coach: Basic Bookkeeping
    • Coach: Setting Up Your Business
  • Rates
    Account Type Monthly Maintenance Fee Min. Bal. to avoid fee Min. Bal. to Earn Dividends Dividend Rate APY*

    Business/ Non-Profit Checking**

    $10.00 $1,000.00 N/A N/A N/A

    Business Prime Checking (Dividend Bearing)

    $10.00 N/A $0.01 0.25% 0.25%

    *Annual Percentage Yield. Refer to our Pricing Guide (PDF) for all fees. Fees may reduce earnings. Rates are subject to change at any time. Current as of 27 January 2023.
    **Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line checking account application.

  • Calculator

    This calculator is not supported for Internet Explorer. Please use an alternate browser, such as Edge, Firefox or Chrome. Alternatively, try this simple Budgeting Calculator.

  • FAQ

    Frequently Asked Questions

    • What will I need to bring to open a business account?

      Exactly what you need to bring will depend on the structure of your business. In general, to open an account you will need the following:

      • Business License
      • Proof of EIN
      • Corporate documentation
      • Resolution with authorized signers.
    • Will I need to have a savings account too?

      Yes. Because we are member owned, a minimum “share” in the credit union must be established before opening a business checking account. The share can be held in a savings or money market account.

    • How much are the activity fees?

      20¢ per deposit, 5¢ per item, and 20¢ per debit item.

    • What are the features of Business Prime?

      These are the primary account features.

      • Pays Dividends (see rates tab)
      • Low activity fees
      • $10 monthly fee
      • Overdraft protection available
      • No minimum balance to open
      • Access to Shared Branching network
      • Telephone Account Access
      • Online services with e-statements
    • Can my non-profit business open an account?

      Yes. Spirit of Alaska business accounts can meet the needs of all types of businesses.

    • Does this account earn rewards?

      Yes! Spirit of Alaska and uChoose Rewards give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back! After accumulating 2,000 points, you can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more.

      To get started, visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

      Spirit of Alaska debit cards earn 1 point per $2 spent on signature purchases, PIN-less debit transactions (such as bill pay), and PIN point-of-sale transactions.

  • Open an Account
  • Reach Us Contact & Locations
  • Member Service 907-459-5900
  • Toll Free Number 1-800-478-1949
  • Routing: 325272212
  • Blocked Vendors & Areas
  • Lost or Stolen Card?
  • Current Rates Sheet
  • Protect Yourself from Fraud
  • Property For Sale
  • Safe Deposit Boxes

Award-winning, innovative service for Interior Alaskans

  • Follow us on Facebook
  • Follow us on Twitter
  • Follow our YouTube Channel
Spirit of Alaska Federal Credit Union
  • NCUA Share Insurance
  • Disclosures
  • Privacy Statement
  • Sitemap
  • © Spirit of Alaska Federal Credit Union | NMLS #402231
  • Call: 907-459-5900 or 1-800-478-1949
Copyright © 2023 - All Rights Reserved.
NCUA and Equal Housing Lender

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

e-Teller Login

Forgot Password? | Forgot Username?
New User? Enroll in Online Banking

Search

I need help with Business Prime Checking

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

  • * Required
  • WARNING * Required
    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

  • * Required
  • WARNING * Required
    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

Leaving Our Website

Attention! You are now leaving the Spirit of Alaska Federal Credit Union website. We do not control the security or privacy practices used at the following website. Periodically, Spirit of Alaska Federal Credit Union's website may include information from third parties and/or links to other websites. Spirit of Alaska Federal Credit Union does not make any warranties, express or implied, regarding any third party information or links to alternate websites. In addition, Spirit of Alaska Federal Credit Union assumes no responsibility for the accuracy or reliability of the content provided by third parties. If you click "CONTINUE", an external website will be opened in a new browser window. If you click "CANCEL", you will be returned to the this website.