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Business Deposits

Business Deposit Services

As a business owner, you want to be sure you have a competitive yet affordable business program. Whether you are a sole proprietor or a corporation, we have the services you require in your everyday operations.

Business Share Draft/Checking Account

Knowing how important a checking account is to a business, we've structured the account according to your business needs. The chart below describes the three levels we offer. You select which level is right for you based on your transaction volume. Dividends are earned on balances of $2,500 or more. A Visa® Debit Card, 24-hour online and telephone access, online statements and bill pay are all services offered at no cost to you. A line of credit can be approved for your protection when you run short of cash or overdraw your account.

Select the Business Share Draft level that matches your transaction needs.

Product or ServiceBusiness 150Business 300Business 450
Free transactions per month1150300450
Monthly maintenance fee$0$10$15
Minimum average monthly balance to avoid fee2$0$2,500$10,000
Minimum balance to earn dividend2$2,500$2,500$2,500
Visa® Debit Card3FreeFreeFree
PC Access and Bill PayFreeFreeFree
Online Statements4FreeFreeFree
Available overdraft protection5YesYesYes
1 Over limit charge of $0.25 per transaction. Counted transactions include all cleared checks, ACH debits, debit card purchases, over-the-counter cash deposits, over-the-counter check deposits (each check), transfers, and withdrawals.
2 Dividend rate tiers; $2,500-$9,999; $10,000-$24,999; $25,000 and up. No dividends will be paid if the average balance falls below $2,500.
3 All credit services are subject to application and approval.
4 Paper statement fee of $5 per month.
5 Overdraft transfer fee of $5 per occurrence from a savings or line of credit. Federal Regulation D permits 6 overdraft transfers per month from a savings account. Transfers from a line of credit are unlimited.

Business Money Market Account

Our Business Money Market Account is designed for our members with consistent savings account balances who want to earn more dividends than they would in a regular deposit account. Dividend rates on this account are tiered... so the more you have on deposit, the more you earn.

Business Money Market Features:

  • Dividends earned on balances of $2,500 or more
  • Dividends are compounded and paid monthly
  • Monthly statements
  • Write up to six checks per month
  • No monthly fees
  • Internet and telephone access

Business Share Certificate

A share certificate is a safe investment vehicle that locks you into a higher dividend rate for a determined period of time. With as little as $500.00, you can deposit funds from six to sixty months that are fully insured up to $250,000.

Open a Business Account Today!

Call our Member Service Center for an appointment to discuss your business deposit needs.

For more information please view our Business Account Agreement.

Routing Number

The People First Routing & Transit (ABA) number is: 231379115

Mailing Address

2141 Downyflake Lane
Allentown, PA 18103

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Membership is available to those who live, work, worship or attend school in Lehigh or Northampton counties.

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At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.

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