Built to build businesses like yours.

Business Banking

No runarounds. No hoops to jump through. Just fair, honest service that puts Arlington’s best, first. And it all starts with free business checking with great rewards—the one account that’s built to give your business more of what you’re looking for.

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Business Rewards Checking

We're with you every step of the way.

We’re making it even easier to earn cash back rewards each month. Any debit card transaction will count towards your rewards total – including signature and PIN transactions. Plus, using your debit card for online purchases and payments counts, too!

With free conveniences like mobile banking and check deposits from your smartphone, a surcharge-free ATM network — along with no monthly fees — it’s a checking account that fits your life.


  • 1% cash back* on first $1,000 in transactions
  • Up to $10 refund in ATM fees1
  • No minimum balance requirements
  • No monthly service charges

It’s easy to qualify!

  1. Make 25 swipe-and-sign, PIN, or debit Bill Pay transactions each month
  2. Receive e-Statements
  3. Receive $500 in ACH deposits into your Free Rewards Checking Account
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Business Share Account

Building a business can be tough. Finding a financial partner that’s with you every step of the way doesn’t have to be. With an ACFCU Business Share savings account, you not only get all the benefits of credit union membership, you get a banking partner you can count on to help your business grow. Membership is open to virtually any licensed business (or nonprofit) in and around Arlington (including Falls Church City, Alexandria City, and Fairfax County) with a minimum opening balance of just $5. To get started: Just speak to an ACFCU member service representative. 

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Money Market Savings Account

More for your business to rely on.

Keep your company’s excess cash in an insured account that earns higher dividends than what’s offered by many banks—and offers you convenient access to your funds. It’s the best of all worlds for businesses looking to securely strengthen their financial foundation. To open yours, speak to an ACFCU member service representative. 

Features & Benefits

  • Minimum $2,500 to open
  • Earn a competitive rate
  • Free checks
  • Easy online and mobile account monitoring
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Meet your short- and long-term savings goals.

Set aside your company savings for a fixed period of time and earn more. Speak to a member service representative to find the certificate that’s right for your specific goals. 

Features & Benefits

  • Minimum $500 to open
  • Fixed rate of return. 
  • Six-, 12-, 15-, 18-, 24-, 36-, 48-, and 60-month terms
  • Automatic renewal at term’s end
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Jumbo Certificates

For healthy businesses looking to get healthier.

Deposit a minimum $100,000 and watch it grow at the most competitive rates available. Your business—no matter how successful—can benefit from the added assurance that comes with knowing your money is safe and secure.

Features & Benefits

  • Minimum $100,000 to open
  • Fixed rate of return.
  • Six-, 12- and 24-month terms
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Banking conveniences that leave you more time for your business.

At Arlington Community Federal Credit Union, your business checking or savings account comes complete with a range of conveniences that make it easier to manage your money, so you can focus on growing your business.

Logo for 28,000+ surcharge-FREE ATMs

28,000+ surcharge-FREE ATMs

Logo for Free mobile app

Free mobile app

with mobile deposit and rewards tracking2

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Logo for Free online banking and bill pay

Free online banking and bill pay

for anytime, anywhere access to your money

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Logo for Free Visa<sup>®</sup> debit card

Free Visa® debit card

Logo for Monthly e-statements

Monthly e-statements

so you can save time—and trees

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Logo for Night deposit service

Night deposit service

because your business isn’t always 9 to 5

Logo for Check reorders

Check reorders

made simple by calling 703-526-0200, X4

Logo for Optional overdraft protection

Optional overdraft protection

for added peace of mind

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Logo for Integrated payroll, HR, and benefits solutions

Integrated payroll, HR, and benefits solutions

provided by Paychex® which simplifies the administration of HR
and payroll while providing support when you need it – freeing you to focus on running and growing your business.

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Logo for Credit card payment processing

Credit card payment processing

provided by Trust Merchant Services to help your business thrive by accepting more types of payments – from magnetic-strip and EMV chip cards to contactless – with the most advanced POS on the market at a low price that stays low.

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Meet Your Commercial Banking Lender

lender pic

Kevin Sheffield

Business Lending Manager


Manage your money anytime, anywhere with our mobile app.

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5 star rating
The Fine Print

*Cash back is calculated based on the total dollar amount of qualifying debit card transactions. Account will not be dividend bearing. 1% cash back on first $1,000 in transactions. Maximum cash back is $10. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe & Sign, PIN, and Debit Bill Pay transactions must have cleared account by the end of the month. Standard fees will apply such as an account that has been inactive for longer than 12 months. No ofterdraft fees for debit card transactions that overdraw by less than $30. This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged. Overdraft fees must be repaid within 45 days. Courtesy Pay will not be paid if Courtesy Pay is disabled and the transaction is declined. In those cases an NSF fee will be charged. Courtesy Pay covers the following types of transactions: checks, ACH and other transactions mae using a checking account, automatic bill payments, recurring transactions set up using your debit card, ATM transactions, everyday debit card transactions, Point of Sale (POS) transactions. ATM transactions, everyday debit card transactions, and Point of Sale (POS) transactions require separate opt-in.

1Up to $10 of ATM fees reversed if reward criteria is met.

2Carrier rates and fees may apply.

Membership required. Federally insured by NCUA.

All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of December 9, 2022. Rates are subject to change without notice. Membership eligibility requirements apply. Federally Insured by NCUA.

Share & IRA Certificates: Minimum to earn dividends: $500.

Jumbo Certificates: Minimum to earn dividends: $100,000.

Platinum Certificates: APYs are 0.10% higher. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.

Share Builder Certificate: Deposits can be added at any time during the certificate program

Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.