Business Connect Checking

You might be going solo. But we're right there with you.

Small farms and IT consulting firms. Antique shops and art studios. Small businesses are sprouting across North Dakota, driven by the passion and energy of sole entrepreneurs. At Capital Credit Union, we salute these efforts by offering the best features of business and personal checking in one hard-working account.

You always wanted to be your own boss. Now you are. You're also the only employee. And inventory clerk. And everything else. So there's just no time to be managing multiple checking accounts. The good news is you don't have to. If you're a sole proprietor, you can merge your personal and business checking into one account that offers low fees, dividends on deposits and time-saving electronic banking services.

Additional Features

  • No minimum balance
  • No monthly service fee
  • Dividend earned with balance of $500 or more
  • No per check, per item deposit or per deposit charges
  • Free cash withdrawals at domestic CO-OP ATMs
  • Refund for surcharge at another financial institution’s ATM in the US1 
  • One free box of checks2 
  • One overdraft/insufficient funds fee waiver per year3 
  • Additional overdraft protection available
  • Free eStatements
  • Debit card rounding available
  • Free online and mobile banking
  • Free Web Checks
  • Free Online BillPay
  • All accounts are insured up to $250,000


  • $500 minimum balance required to earn interest
  • Sign up for eStatements/eLetters
  • Use Capital Credit Union debit card

Service Charges:

  • $5/month paper statement fee if eStatements are discontinued
  • $2 returned item fee
1 Must mail or bring your receipt to Capital Credit Union within 60 days for full refund, refunds limited to $12 per month.
2 Free checks only available in specific check designs.
3 Member must notify Capital Credit Union to have fee refunded.