Our selection of business checking accounts is designed to meet your needs, no matter whether you’re a start-up, a fast-growing outfit, a non-profit, or a thriving commercial enterprise. In each case, you’ll get free transaction limits to match your turnover and a range of commercial-grade offerings from e-Statements to merchant services.

Yes, especially if you value lower fees, better rates, and personalized service. Credit unions are member-owned, so their goal is to support your success, not maximize profit. That often means lower costs, higher returns on deposits, and more tailored support for your business. Plus, local credit unions often have a better understanding of the local economy and can offer insights that big banks might miss.

Yes, having a business account is worth it if you run a business, even a small one. It keeps your personal and business finances separate, which makes tax time easier and helps you look more professional to clients and lenders. A business account can also give you access to better financial tools, services, and protections designed specifically for businesses.

A business account: 

• Makes bookkeeping and taxes simpler and more accurate
• Helps build business credit and qualify for loans
• Projects professionalism to customers and vendors
• Offers access to merchant services and business tools
• Provides legal protection by separating personal and business funds

We offer low or no monthly fees depending on the account you choose and your average balance. Our Small Business Checking Account and Non-Profit Checking Account charge no monthly fees. Our Business Benefit Checking Account and Commercial Checking Account both waive monthly fees when you maintain an average monthly balance of $2,000 or more.

You need to be eligible to be a member of Topside Federal Credit Union in order to open a Topside business checking account. Qualifying for membership is as easy as meeting any of the following criteria.

1. Civilian and military personnel of the U.S. Government who work for or are permanently stationed at Naval Support Activity South Potomac (NSASP) Dahlgren, or one of its tenant commands.
2. Members of the U.S. Armed Forces, active or retired, who are receiving authorized benefits or services primarily from NSASP Dahlgren.
3. Civilian and military personnel employed by the Department of the Navy in the Washington Metropolitan area who live in the City of Fredericksburg or the counties of Stafford, Spotsylvania or King George.
4. Civilian personnel retired from NSASP Dahlgren and its tenant commands.
5. Persons who work regularly at NSASP Dahlgren and are employed by contractors who maintain offices within a 35-mile radius of NSASP Dahlgren and have a contract with the U.S. Government for a minimum of 6 months continuously prior to making application for membership.
6. Civilian and military personnel of the U.S. Government who work at Fort A.P. Hill, Bowling Green, Virginia.
7. Persons who work regularly at Fort A.P. Hill, Bowling Green, Virginia, and are employed by contractors who maintain offices within a 35-mile radius of Fort A.P. Hill and have a contract with the U.S. Government for a minimum of 6 months continuously prior to making application for membership.
8. Government employees assigned to George Washington's Birthplace Memorial located in Westmoreland County, Virginia.
9. Dependent spouses of deceased members.
10. Organizations of members that have a federal Tax ID#.
11. Persons who live, work, worship, or attend school in the City of Fredericksburg, Virginia.
12. The immediate family of any member. An immediate family member consists of spouses, children, siblings, parents, grandparents, or grandchildren.
13. Household membership will be extended to individuals living in the same residence as a member, maintaining a single economic unit.
14. Employees, volunteers, and/or members of one of our affiliated organizations.
15. Contact us at 540-663-2181 for a list of our sponsor groups.