Business Accounts —
Business Checking and Savings
Business checking accounts crafted to propel your business forward, offering comprehensive financial tools, services, and dedicated support—all in one convenient place.
- Free Online Banking access
- Bill Pay
- Competitive rates
Why choose Gesa to help your business?
- Low cost high value business solutions
- Convenient online banking technology
- Mobile check deposit
- Bill pay
- and more
| Value Business Checking | Versitile Business Checking | Analysis Business Checking | |
|---|---|---|---|
| Best For | Small businesses that have a lower volume of transactions each month | Businesses with a moderate level of account activity | Businesses with a high transaction volume, larger balances, and/or have treasury management services |
| Transaction Thresholds | Up to 100 transactions per month (debit or credit) included* | Up to 200 transactions per month (debit or credit) included* | N/A |
| Monthly Service Charge | $0 | $25 | Fee is waived with a $5,000 minimum average daily balance |
| Cash Deposit Limits | $3,000 per month* | $15,000 per month* | N/A |
| Included Services |
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| Additional Benefits | Dedicated support | Dedicated support | Dedicated support & Treasury Management Services |
| Business Savings Account | Business Money Market Account | Business Certificates | |
|---|---|---|---|
| Best For | Best for competitive rates and overdraft protection for a checking or money market account | Best for those looking to earn higher dividends | Best for those seeking a higher-yield, fixed-rate savings account for excess funds |
| Balance to Open | $100 | $2,500 | $500 |
| Maximum Transactions per month | 6 | 6 | N/A |
| Monthly Service Charge | $0 can be waived based on the aggregate average daily balances in all other Business Accounts | $25 Fee is waived with a $5,000 minimum average daily balance | None |
| Rates | Good- Talk with a Banker | Better- Talk with a Banker | Best- Talk with a Banker |
| Included Services | Overdraft Protection & Insured up to $250,000 by NCUA | Overdraft Protection & Insured up to $250,000 by NCUA | Insured up to $250,000 by NCUA |
Analysis Business Checking
Analysis Business Checking
For small and commercial businesses that have a high volume of deposits and checks each month
- APY*
- Includes Cash Management Services
- Analyzes your activity and charges based on use
- Earn credit back based on balance
- Use earned credits to offset service fees
- Helps keep costs low
- Low $100 minimum deposit required to open account
Value Business Checking
Value Business Checking
Best for small businesses that have a low volume of transactions and want an economical account that’s easy to manage.
- No fee per deposited or cleared check if 50 or less are presented each month*
- No monthly service charge
- Low $100 minimum deposit required to open an account
Versatile Business Checking
Versatile Business Checking
Tailored for small and medium-sized businesses with a moderate level of account activity.
- Flexibility and freedom for your business
- No fee per deposited or cleared check if 200 items or less are presented each month
- Low minimum of $100 to open account
- Daily balance of $5,000 required to waive monthly service fee
Municipality Interest Checking
Municipality Interest Checking
A specialized business checking account with tiered interest rates, perfect for municipalities in Washington only.
- Minimum of $100 to open account
- $500 minimum balance required to earn dividends
- No fee per deposited or cleared check if 200 items or less are presented per month
Nonprofit Interest Checking
Nonprofit Interest Checking
This checking account offers tiered interest rates for nonprofit organizations across Washington, Oregon, and Idaho.
- Minimum of $100 to open account
- $500 minimum balance required to earn dividends
- No monthly service charge
- No fee per deposited or cleared check if 50 items or less are presented per month
Business Savings Accounts
Business Savings Accounts
Best for small and commercial businesses looking for competitive rates and overdraft protection for a checking or money market account.
- Balance of $100 to open and maintain account
- Competitive rates assure that your funds are working for you
- Low monthly service charge can be waived based on the aggregate average daily balances in all other Business Accounts
Business Money Market Accounts
Business Money Market Accounts
Best for those looking to earn higher dividends.
- Maintain a low $2,500 daily balance to earn tiered dividend rate
- Enjoy six remote withdrawals or transfers a month
- Acts as overdraft protection for any Gesa Business checking account
- Dividends paid monthly
Money Market Sweep
Money Market Sweep
Ideal for commercial businesses that have established a target balance.
- No minimum balance to open or maintain the account
- Funds moved in and out of Sweep account based on target balance
- Small set-up and monthly service fee
- Unlimited deposits
- Dividends paid monthly
Business Certificates
Business Certificates
Best for small and commercial businesses seeking a higher-yield, fixed-rate savings account for excess funds.
- Terms ranging from 3 -60 months
- Interest is compounded and paid monthly and at maturity
- Choose 1 of 3 tier levels for your account
- Certificates can be used as collateral to secure a loan at a competitive margin
Business IOLTA
Business IOLTA
Exclusively for legal professionals, this interest-bearing trust account allows client funds to generate interest for the state’s Legal Foundation – available in Washington, Oregon, and Idaho.
- Minimum of $100 to open account
- No minimum balance required to maintain account
- No monthly service charge
- Interest earned on the account is remitted the respective state’s Legal Foundation to provide legal services to those in need
- NCUA insured up to $250,000
Business IRETA
Business IRETA
Real estate trust accounts are business checking accounts for realtors and other real estate firms that need to separate client funds from their own. Interest earned on an IRETA is paid to housing assistance and education programs as directed by Oregon and Washington State.
- Minimum of $100 to open account
- No minimum balance required to maintain account
- No monthly service charge
- NCUA insured up to $250,000
Business RETA
Business RETA
For Idaho realtors and other real estate firms only, this non-interest account is designed for depositing pooled client funds.
- Minimum of $100 to open account
- No minimum balance required to maintain account
- No monthly service charge
- NCUA insured up to $250,000
Specialized Checking Options
How else Gesa Commercial can help
Notes and Fees
Versatile and Analysis Checking
*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change
Savings for your business
* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.
Dividends on Business Savings are calculated using the daily balance method and are paid monthly. Rate may change after the account is opened. The minimum balance to open the Savings Account is $100.00 and you must maintain a minimum $100.00 in your account to avoid a service fee. A minimum daily balance of $500.00 in the account each day is necessary to earn the stated APY. Fees could reduce earnings on the account. APY is accurate as of
Certificate Accounts
Minimum deposit balance must be maintained to earn APY and fees may reduce earnings on the account. Early withdrawal penalties will apply. Certificate rates are for a limited time only.
APY is accurate as of and subject to change
Business IOLTA
A Business Member Share Savings account is required to establish membership. In the event operational fees are assessed to the IOLTA, they will be redirected and charged to the firm’s general operating account.
Business IRETA
A Business Member Share Savings account is required to establish membership. In the event operational fees are assessed to the IRETA/RETA, they will be redirected to the firm’s general operating account.
Business RETA
Nonprofit Interest Checking
Rates, terms, and fees are subject to change. Only available to nonprofit organizations located in Washington, Oregon, and Idaho.
Municipality Interest Checking
$25 monthly service charge. Rates, terms, and fees are subject to change. Only available to municipalities located in Washington.
Business Money Market Accounts
Dividends for the Business Money Market Account are calculated by a daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance to open a Money Market Account is $2,500.00. A minimum average daily balance of $2,500.00 is required to avoid a service fee for the calendar month. If the minimum average daily balance requirement is not met, you will be charged a service fee as stated in the Business Fee Schedule. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account.
Value Business Checking
*Per item includes checks, ACH debits and credits, deposits (excluding online banking transfers).
†All rates, terms, and fees subject to change. Contact Gesa for full program details.
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
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We're in the business of growing yours.
We have the accounts, products, and services to help you and your small business succeed.
Banking made for you.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Getting started is easy!
Applying should only take a few minutes. Please have these documents ready:
- Social Security Number (SSN)
- Color copy of driver's license, state ID, or US Passport
- Contact info
-
Opening deposit by debit card or e-transfer*
*Credit cards are not accepted.
Already a member?
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
Notes & Fees Glossary
| Disclaimer | |
|---|---|
| *APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
| SmartPlus Checking | *To earn the higher rate, you must:
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