
Mobile Banking
Ascend’s iOS and Android apps make managing your accounts easy, convenient, and secure.
Learn MoreBusiness Checking
We offer two checking accounts designed around your business's transaction levels. Compare our free checking and basic checking accounts below to find out which one is right for your business.
Use your savings account, money market or a pre-approved signature line of credit to protect yourself from overdraft fees.
Ascend’s mobile app makes managing your accounts easy, convenient and secure.
Learn MoreManage your accounts from almost anywhere with Ascend’s online banking services.
Learn MoreMake up to 200 fee-free transactions per month.
Use your savings account or money market to protect yourself from overdraft fees.
Ascend’s mobile app makes managing your accounts easy, convenient and secure.
Learn MoreManage your accounts from almost anywhere with Ascend’s online banking services.
Learn MoreMake up to 200 fee-free transactions per month.
Receive up to $10,000 Accidental Death & Dismemberment Insurance. 58
Learn MoreEarn 10% cash back on everyday purchases such as groceries, household supplies, and entertainment. 60
Interest is earned on your daily balance and credited to your account at the end of each month.
Over the past 15 years, we’ve given our members more than $85 million in interest refunds and bonus dividends.
Learn MoreAccounts with an average monthly balance of less than $10,000 are subject to a $15 per month service charge.
Account | APY | Dividend |
---|---|---|
Business Free Checking | 0.0% | 0.0% |
Business Basic Checking | 0.10% | 0.10% |
Rates effective October 1, 2020
A sole proprietorship is a business owned by an individual. This type of ownership is the simplest and most basic type of business structure. A sole proprietor has total control, receives all profits from, and is responsible for the taxes and liabilities of the business.
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Business License and/or Business Card (If Applicable)
A limited liability company consists of one or more “members” or “managers,” which may be individuals, partnerships, limited partnerships, trusts, estates, associations, corporations, other limited liability companies or business entities.
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Valid Tax ID or EIN
• Articles of Organization (LLC-1)
• Completed Beneficial Owner Form
• Copy of the Operating Agreement (Required for all limited liability companies with more than one (1) member)
• Filed fictitious business name statement/DBA (Required only if the business entity does not include the surname of the owner or if the name suggests additional owners)
An unincorporated association is an organization that has not been given a corporate legal form but is recognized by the law as having a status and an existence. This type of account is often requested for recreational clubs, social clubs, and non-profit organizations. (Examples: Knights of Columbus, Girl Scouts or Rotary Clubs).
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Valid Tax ID or EIN
• Certified copy of a resolution or minutes authorizing the account opening
• Letter signed by the governing body of the legal entity authorizing designated individuals to open the account and act on its behalf
In a general partnership, each partner shares in the profits, losses and management of the business. Each partner can, by its acts or conduct, bind the partnership, and each is personally liable for the debts and obligations of the partnership, so that its individual assets can be subject to execution to satisfy partnership debts when partnership assets are insufficient to pay those obligations.
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Valid Tax ID or EIN
• Signed copy of the partnership agreement identifying the partners and their authority
• Completed Beneficial Owner Form
A corporation and an incorporated association are legal forms of business organization where an individual or group of individuals (known as shareholders or stockholders) acts as a distinct legal entity.
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Valid Tax ID or EIN
• Articles of Incorporation/Charter (For profit charter SS-4417. For non-profit charter SS-4418)
• Copy of Corporate Minutes
• Bylaws
• Completed Beneficial Owner Form
• Filed fictitious business name statement/DBA (Required only if the corporation does business in a name other than its corporate name)
• Corporate Resolution (Only if not all named officers are signers, if signers include persons not named as officers or if Corporate Minutes reflect multiple signatures required) (Ascend will not open account if dual signatures are required.)
An informal organization or club is a group formed for unofficial purposes. While not actually a business, these accounts are held by a non-natural person and the credit union will take steps to satisfy that the organization is a bona fide entity. (Examples: ABC Activities Committee, ABC Ski Club, ABC Employee Birthday Fund).
• Valid Social Security Number (All Signers)
• Unexpired Government Issued ID (All Signers)
• Valid Tax ID or EIN
• Letter on company letterhead explains the purpose of the club (if available)
• Minutes (if applicable)
When you're an Ascend member, you have fee-free access to the Allpoint network of over 55,000 ATMs worldwide. Ascend members also enjoy fee-free access to our proprietary, Money Tower network ATMs.
Nonproprietary ATM Withdrawal/Transfer/Inquiry Fee: $1.00 per transaction/inquiry
Ascend’s iOS and Android apps make managing your accounts easy, convenient, and secure.
Learn MoreManage your accounts from almost anywhere with Ascend’s online banking services.
Learn MoreIf you provide complete business entity documentation, your Business Checking account will be available for use the same day you open it.
If you need a replacement debit card, you may visit your local Ascend branch with a valid photo ID to have a new card instantly issued. Otherwise, a replacement card will need to be ordered. Please contact us at 800-342-3086 to order your card. Any ATM card orders are processed through our Card Services Department with your card arriving by mail or to the branch of your choice within seven to 10 business days.
To report a lost or stolen Ascend card, please call 800-342-3086 during normal business hours. After business hours, please call 800-250-9655.
Don't see the question you're looking for?
There are two different ways to contact an Ascend business specialist. Before you begin, please review our list of Required Documentation above and make sure you have the necessary documents on hand.