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Business Checking
Built for What’s Next 

Tools that empower smarter decisions.


AERO's Business Checking Account options are built to empower entrepreneurs with flexibility for transaction volume and growth. 

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Open Your AERO Business Checking Account Today*

empower every transaction

BUSINESS CHECKING ACCOUNT RATES

Put your Business Checking Account to work with competitive rates and the flexibility you need to keep things running smoothly.

Rates as of March 20, 2026

Business Advantage Checking Compounding Dividend Rate APY1
$250,000 & Greater Monthly 0.50% 0.50%
$100,000 - $249,999.99 Monthly 0.50% 0.50%
$50,000 - $99,999.99 Monthly 0.35% 0.35%
$25,000 - $49,999.99 Monthly 0.30% 0.30%
$10,000 - $24,999.99 Monthly 0.25% 0.25%
$5,000 - $9,999.99 Monthly 0.25% 0.25%
$2,500 - $4,999.99 Monthly 0.25% 0.25%

 1 APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. The Business Advantage Checking Account is a tiered variable rate account and the rate and APY* are subject to change after account is opened. Must maintain a balance of $2,500 in the account to obtain the disclosed APY. 

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built for business

Business Checking Account Benefits

Every business has unique needs, priorities, and plans for growth. That’s why AERO Business Checking Accounts are designed to be flexible, practical, and easy to manage, empowering you at every stage of your business journey.

Low Minimum Deposit

Designed to be accessible, every AERO Business Checking Account starts with a $100 minimum deposit.

Free Online Banking

Manage your business accounts easily with free Online Banking. Stay in control 24/7, at the office or on the go. 

Financially Secure

At AERO, we combine financial strength with local commitment. Your assets are safe with us!

Mobile Check Deposit

We know that running a successful business takes time. Skip the lines with Mobile Banking.
Two business partners in suits holding a notebook and tablet talking about Business Checking Account options

banking that empowers your business

WHAT DO I NEED TO
OPEN A BUSINESS CHECKING ACCOUNT?

Opening a Business Checking Account with AERO is easy. Simply gather the following documents, which may vary based on your business structure (e.g., Corporation, LLC, Sole Proprietorship, or Partnership) and get one step closer to your financial goals.

STEP 1: Tax ID Number: Your EIN or TIN.

STEP 2: Identification: Valid ID for the business owner(s).

STEP 3: Business Documents: Including trade name certificate, articles of incorporation, or partnership agreement.

Questions? Visit us at one of our local branches, give us a call at 623.334.4701, or email us at businessservices@aerofinancial.com.

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BUSINESS CHECKING ACCOUNTS

Find the perfect Business Checking Account to meet your financial needs.

simple and easy

Community Checking Account

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$100 Minimum Opening Deposit
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$5 Monthly Fee
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No Monthly Fee with $500 Average Daily Balance
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50 Free Transactions per Month
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$.10 per Transaction over 50 per Month
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Does Not Earn Dividends
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Free Mobile Check Deposit
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Free Online & Mobile Banking
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earn dividends

Basic Business Checking

AERO logomark dark blue and light blue
$100 Minimum Opening Deposit
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$8 Monthly Fee
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No Monthly Fee with $1,500 Average Daily Balance
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150 Free Transactions per Month
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$.10 per Transaction over 150 Transactions per Month
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Dividends Earned on Balances over $2,500
AERO logomark dark blue and light blue
Free Mobile Check Deposit
AERO logomark dark blue and light blue
Free Online & Mobile Banking
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earn tiered dividends

Business Advantage Checking

AERO logomark dark blue and light blue
$100 Minimum Opening Deposit
AERO logomark dark blue and light blue
$15 Monthly Fee
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No Monthly Fee with $5,000 Average Daily Balance
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300 Free Transactions per Month
AERO logomark dark blue and light blue
$.10 per Transaction over 300 per Month
AERO logomark dark blue and light blue
Dividends Earned on Tiered Balances over $2,500
AERO logomark dark blue and light blue
Free Mobile Check Deposit
AERO logomark dark blue and light blue
Free Online & Mobile Banking
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banking that moves with you

mobile & online banking benefits

Take control of your business finances with the AERO Financial Mobile Banking App. Designed for efficiency, security, and flexibility, so you can focus on running your business.

Secure Banking

Protect your business with reliable security protocols and account alerts. 

Streamlined Access

Access your accounts quickly and manage them with ease.

Cash Flow Control

Stay on top of your finances with real-time balances and transaction history.

Payments & Transfers

Move money, pay vendors, and manage internal transfers, all in one place.
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Business Checking Account Resources

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Kickstarting Success: Easiest Small Businesses to Launch

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Evaluating the Leap from Side Hustle to LLC

When your side business starts to flourish, you may consider formalizing it. One option is forming...

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Mastering the Art of Earning from Home

With rising living costs and the desire for a better work-life balance, many seek ways to earn...

Read More

FREQUENTLY ASKED QUESTIONS

Do Business Checking Accounts Earn Interest?

Yes! We offer interest bearing Business Checking Accounts, allowing businesses to earn dividends on their balances. 

How much do you need to open a business checking account?

You’ll need a minimum deposit of just $100 to open a Business Checking Account with us. After that, there are no minimum balance requirements to worry about.

When should I open a business checking account?

It’s a good idea to open a Business Checking Account as soon as you have business cash flow. Starting early makes it much easier to stay organized and plan for the future!

*See Business Fee Schedule. Membership eligibility required. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures. 

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What our members
are saying

“AERO is far better than any credit union or bank I have ever used! They work for you and get you all the information you need."

Patty E.