SMALL BUSINESS BANKING
At American Airlines Credit Union, you're not just a business owner, you're a member-owner. We have the best tools and resources to fit your needs and take your business to the next level.
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Business Services
SMALL BUSINESS
Starting a small business is an exciting venture, but succeeding at business is a complicated proposition. That’s why we offer a number of value-added services and savings to our member business owners to help promote successful small businesses across the country.
Checking Accounts
With our business checking account, you can manage your expenses easily and conveniently, check your account balances, transfer funds or pay your bills with mobile & online banking.♦
SECONDARY CHECKING
Make your bookkeeping easier with a secondary checking account to manage business expenses such as billing payroll and taxes and keep them separate from your primary checking account.
Savings Accounts
Take advantage of our convenient savings account for competitive returns for your business’ short-term savings needs. This dividend-earning account is only $25 to open with no monthly service fee and the first 10 deposited and 10 paid items free.*
* Member-initiated fees may apply. See our Business Rate & Fee Schedule for more information.
Credit Cards
Our low-rate card enables business owners to control their expenses by offering multiple cards on one account, ATM access around the world and the ability to earn Connection Points.TM
Overdraft Protection
We offer a variety of overdraft options to protect you from overdrawing your account, including up to $2,000 in protection for qualified borrowers.
Loans
We offer a variety of business loans, including auto, equipment, investment properties, and more. For loans of $40,000 or more, a business must have at least 2 years of established cash flow.
Checking Accounts
With our business checking account, you can manage your expenses easily and conveniently, check your account balances, transfer funds or pay your bills with mobile & online banking.♦
SECONDARY CHECKING
Make your bookkeeping easier with a secondary checking account to manage business expenses such as billing payroll and taxes and keep them separate from your primary checking account.
Savings Accounts
Take advantage of our convenient savings account for competitive returns for your business’ short-term savings needs. This dividend-earning account is only $25 to open with no monthly service fee and the first 10 deposited and 10 paid items free.*
* Member-initiated fees may apply. See our Business Rate & Fee Schedule for more information.
Credit Cards
Our low-rate card enables business owners to control their expenses by offering multiple cards on one account, ATM access around the world and the ability to earn Connection Points.TM
Overdraft Protection
We offer a variety of overdraft options to protect you from overdrawing your account, including up to $2,000 in protection for qualified borrowers.
Loans
We offer a variety of business loans, including auto, equipment, investment properties, and more. For loans of $40,000 or more, a business must have at least 2 years of established cash flow.
Primary Checking Account Features
Take advantage of this unique account specially designed for business owners. With a $1.00 membership fee and low minimum balance, it’s quick and easy to get down to business.
Features include:
- No monthly service fees*
- Low $25 minimum daily balance requirement
- Monthly dividend**
- First 100 deposited and paid items free ¹
- Mobile & Online banking with secure statements
- Business Visa® debit card with Zero Liability Protection†
- Digital wallet payment options
- 24/7 Fraud Monitoring
- Online Card Management, including travel notifications and card on/off
- Overdraft Protection Options
Frequently Asked Questions
All owners of the business must qualify for membership with the Credit Union. However, authorized signers do not have to qualify for membership. You are required to open both a checking and a share savings account when you apply for business services.
For the business checking account there is a $25 minimum opening requirement and no monthly service fee. For the business share account there is a $26 minimum opening requirement and no monthly service fee.
AUTOBOOKS ON MY TOOLKIT
Small business owners can simplify their books, manage cash flow and access the necessary reports. Get Autobooks in addition to other third-party apps through My Toolkit in online banking.
To register: Use a browser to log into online banking and select “My Toolkit” to get started. Your My Toolkit apps can be managed through the Credit Union app after completing registration on a browser.
Please note: Fees and qualifications vary by app.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
Our Rates^
-
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
-
APY as high as
2.12%
Savings
Share/IRA Accounts
-
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
Our Rates^
-
APR as low as
4.49%
New Auto
Up to 36 Months
-
APR as low as
4.74%
Used Auto
Up to 36 Months
-
APR as low as
5.24%
New Auto
Up to 60 months
-
APR as low as
5.49%
Used Auto
Up to 60 months
-
APR as low as
6.74%
RV
Vehicle Loans
-
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 25, 2024.
Our Rates^
-
APR as low as
5.575%
15-Year Fixed
Home Loans
-
APR as low as
6.075%
30-Year Fixed
Home Loans
-
APR as low as
6.657%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 22, 2024. View Full Disclosures.
Our Rates^
-
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
-
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
APY as high as
2.12%
Savings
Share/IRA Accounts
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
APR as low as
4.49%
New Auto
Up to 36 Months
APR as low as
4.74%
Used Auto
Up to 36 Months
APR as low as
5.24%
New Auto
Up to 60 months
APR as low as
5.49%
Used Auto
Up to 60 months
APR as low as
6.74%
RV
Vehicle Loans
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 25, 2024.
APR as low as
5.575%
15-Year Fixed
Home Loans
APR as low as
6.075%
30-Year Fixed
Home Loans
APR as low as
6.657%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 22, 2024. View Full Disclosures.
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Mobile & Digital Services
We understand your on-the-go account access needs.
Mobile Apps
Our mobile apps offer a number of convenient services, including mobile check deposit, bill pay, credit score monitoring, personal financial management tools and more!
GET THE APPS♦
- Apple Watch – To turn on, simply log into our mobile app and select “Apple Watch” under “Settings” in the left-hand menu.
♦ Mobile services require web access. Check with your wireless carrier for any fees that may apply.
Apple Watch is trademark of Apple Inc.
Google Play is a registered trademarks of Google LLC.
Digital Wallet
Add your Credit Union debit and credit cards to your enabled device to make secure payments and simplify your checkout experience with a variety of digital payment options.
Apple Pay and Apple Watch are trademarks of Apple Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd.
Google Pay and Google Play are registered trademarks of Google LLC.
Visa is a registered trademark of Visa International Service Association. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
Financial Management Tools
Our budget and finances feature allows our members to track their spending with a fully interactive, real-time updating dashboard that loads existing Credit Union accounts while allowing the addition of accounts from other financial institutions. Within your online banking account you have access to two tools that help you keep your finances on track:
- Personal Finance Manager and Credit Monitoring.
MARKETPLACE
With our one-stop shop for financial apps, you can select from a set of third-party apps to help you run your business, pay down loans fast, donate to charities and much more – all in one convenient location.
Please note: Fees and qualifications vary by app.
Apps include:
- Autobooks Small business owners can simplify their books, manage cash flow and access the necessary reports.
- Changed Borrowers can pay down debt with spare change to save time and money and reach their goals sooner.
- Givio Individuals can donate to more than 1.6 million 501(c)3 nonprofits – or support a cause from a list of local nonprofits – directly from their bank account.
- OneDigitalTrust Users of this estate- and inheritance-planning platform can create legal documents, including wills, living trusts, healthcare and financial powers of attorney and others.
- Trustworthy® Successful modern families can collaborate with loved ones and advisors to protect and organize their most important information. Secure items like family IDs, money, property, passwords, insurance, tax records, estate documents, contacts, and more – all in one place.
To register: Use a browser to log into online banking and select “Marketplace” to get started. Your Marketplace apps can be managed through the Credit Union app♦ after completing registration on a browser.
American Airlines Credit Union does not assume any responsibility or liability for any purchases or promotions made by a third party
♦ Message and data rates may apply. Check with your mobile provider.
♦ Mobile services require web access. Check with your wireless carrier for any fees that may apply.
* Member initiated fees may apply. See our Business Rate & Fee Schedule for more information.
** APY is Annual Percentage Yield (APY). Member must be in good standing for account to be eligible. Dividend period is calendar month. APY and dividend rates are accurate as of the last dividend declaration date and are subject to change monthly as determined by the American Airlines Credit Union Board of Directors. Dividends will be paid on the average daily balance to all business checking accounts maintaining a minimum of $25.00 during the calendar month. Fees may reduce earnings on account. Ask the Credit Union for details.
¹ After the first free 100 deposited checks and first free 100 paid checks, the following fee schedule will automatically be instated. Deposited items: 0 – 100 are free, 101 – 250 are $0.15/ea, and over 250 are $0.35/ea. Items Paid: 0 – 100 are free, 101 – 250 are $0.15/ea, and over 250 are $0.35/ea.
† Zero Liability Policy does not apply if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.
Visa is a registered trademark of Visa International Service Association.
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