Business Checking
Jumpstart your business
Hassle-free checking to get you started
200 free transactions
per month
We offer several business checking accounts, so you can pick the one that’s right for you. This account is great for businesses that are just getting started, home offices, or those with lower transaction volumes and account balances. If you’ve got a “side gig” you’ve come to the right place. With this account, you won’t have to worry about monthly service fees or a minimum balance. Plus, you only need to deposit $25.00 to open the account. After that, you’ll enjoy 200 free transactions every month.
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No monthly service fee
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No minimum balance to maintain
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Only $25.00 to open the account
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First 200 items/transactions free each month
A no-strings-attached checking account
This account comes with no maintenance fees and no minimum balance required.
Talk to a member service representative
​Contact Us
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Rates effective as of: April 23, 2025
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
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No monthly service fee
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No minimum balance
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Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
How to Enroll in Online Banking
Let us help you get started!
Eligible Family Members
- Parents
- Spouse
- Children
- Siblings
- Grandchildren
- Grandparents
Our Counties
Membership is open to anyone who lives or works in these 24 counties:
- Alexander
- Clinton
- Edwards
- Franklin
- Gallatin
- Hamilton
- Hardin
- Jackson
- Jefferson
- Johnson
- Marion
- Massac
- Monroe
- Perry
- Pope
- Pulaski
- Randolph
- Saline
- Wabash
- Washington
- Wayne
- White
- Williamson
- Union
Our Select Employer Groups
Membership is open to anyone who lives or works for our member companies (SEGs):
- Center for Comprehensive Services
- Centerstone
- City of Carbondale
- Gateway Foundation
- Illinois Youth Center
- Marion VA Medical Center
- Sam’s Club of Marion
- Shawnee Health Services
- Shawnee Library System
- SIU Alumni Association
- Southern Illinois Healthcare Services
- West Frankfort Municipal Group (City Employees)
- Williamson County
Employer Group Benefits
If you work for one of these organizations, talk to your HR Dept. about the benefits you’ll have with us!
Our Education Groups
Membership is open to anyone who belongs to these education groups:
- SIU Faculty, Staff or Student
- SIU Emeritus and Adjunct Status
- SIU Foundation Employee
- John A. Logan Employee or Student
- Retired or active school employees located in the counties of:
Alexander, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Marion, Massac, Monroe, Perry, Pope, Pulaski, Randolph, Saline, Wabash, Washington, Wayne, White, Williamson, or Union.
Our Associatons
Membership is open to anyone who belongs to these associations:
- Lake of Egypt Association of Property Owners
- Local 702 International Brotherhood of Electrical Workers
- Laborers’ International Union of North America Local 773
- Sam’s Club of Marion
- SIU Alumni Association
Leaving Our Website
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Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.