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Turn Everyday Spending into Business Growth

With our new rewards-focused checking and savings accounts, your money works harder for your business!

Get cash back on purchases, earn high yields on balances, and pay no monthly fees.

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Home > Business > Treasury Management > Business Savings & Checking

Treasury Management Services for Your Business

UnitedOne’s Treasury Management services are built to support your small business goals with flexible account options, secure transaction tools, and convenient access to funds – on your schedule.

Treasury Management solutions help you manage cash flow, optimize liquidity, and protect your assets.

We provide the financial infrastructure so you can stay focused on growth while we take care of the details.

Open Business Account 

Business Savings & Checking Accounts

From everyday transactions to long-term financial planning, manage your cash flow with confidence using our business savings and checking accounts.

Whether you're just starting out or expanding, we offer flexible solutions designed to support – and reward – your growth. 

Business Cash Back Savings & Checking

Business Cash Back Savings

Link Business Cash Back Checking to this business savings account to automatically collect rewards and earn dividends.**

  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • No minimum deposit to open

**Must have a Business Cash Back Checking account in order to be eligible for a Business Cash Back Savings account.

Business Cash Back Checking

Cash back on every Visa® Business Debit Card swipe – even everyday purchases – plus ATM fee refunds.*

  • 3.00% cash back on Visa Business Debit Card purchases
  • Earn cash back on up to $1,000 in purchases monthly
  • Up to $360 cash back per year
  • Refunds on ATM withdrawal fees

*Must meet qualifying requirements including 10 signature/POS Business Debit Card transactions, 1 ACH credit/debit Bill Payer transaction, and enrollment in E-Statements to be eligible for this product. If you aren’t currently enrolled in E-Statements, UnitedOne will auto-enroll you as part of the application process for this product.

Open Business Account 

Business High Yield Savings & Checking

Business High Yield Savings

Link Business High Yield Checking to this business savings account to automatically collect rewards and earn even more dividends.**

  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • No minimum deposit to open

**Must have a Business High Yield Checking account in order to be eligible for a Business High Yield Savings account.

Business High Yield Checking

High dividends when you actively use your Visa Business Debit Card – plus ATM fee refunds and free Digital Banking.*

  • Earn 3.00% APY* on balances up to $40,000
  • No monthly maintenance fee
  • Refunds on ATM withdrawal fees
  • Minimum $7,500 balance to earn rewards

*Must meet qualifying requirements including 8 signature/POS Business Debit Card transactions, 1 ACH credit/debit or Bill Payer transaction, and enrollment in E-Statements to be eligible for this product. If you aren’t currently enrolled in E-Statements, UnitedOne will auto-enroll you as part of the application process for this product. Rates may change after the account is opened. Monthly or activity fees could reduce the earnings on the account. APY=Annual Percentage Yield.

Open Business Account 

Business Savings & Checking

Business Savings

A Primary Share (savings) account establishes your business membership with UnitedOne Credit Union.

Secondary Share accounts make great savings vehicles for larger savings goals such as taxes or new equipment, and be sure to ask how our  Share Certificates, Money Market, and AchieveOne Money Market accounts can help your savings grow.

Business Checking

Manage your Business Checking* and day-to-day cash flow with:

Is someone helping out with the books? Delegate efficiently using our Business Entitlement tool!

*There is a $4 monthly service fee for a Business Checking account.

Open Business Account 

Visa® Business Debit Card

Enjoy the convenience and versatility of a Visa Business Debit Card with your UnitedOne business checking account (subject to approval).

  • Immediate access with optional
  • Secure
  • 24/7 access to UnitedOne PTMs and Alliance One ATM network
  • Use wherever Visa is accepted - gas, supplies, business trips, more!
  • Add to your mobile wallet for secure contactless purchases
  • Assign to recurring bills - think streaming services and more!
Visa Business Debit Card

Additional Business Services

24-Hour Night Depository

Transactions are posted the following business day by 10:00 a.m. 

Saturdays are considered a business day at UnitedOne!

Personal Teller Machines

Use our fleet of Personal Teller Machines 24/7 as an ATM or conduct business with a video Teller during extended business hours:

Mon. - Fri: 8:00 a.m. - 6:30 p.m.
Sat: 8:00 a.m. - 1:00 p.m.

Coin Counters

Available at our South 10th St. office in Manitowoc and our Superior Ave. and Washington Ave. offices in Sheboygan.

Business questions? We're happy to help!

Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at businessloans@UnitedOne.org.

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What Our Members Are Saying ...

“UnitedOne has absolutely the best member service we have ever experienced. Fast response time with answers to all our questions when it’s needed. They added desktop deposit for remote depositing checks for our business which has been a game-changer in efficiency for our business.”

– Jason of Garage Door Specialty

“Lindsay has been a tremendous help in getting my business loans approved.  She's knowledgeable on what is available and gets things done fast with minimal work on my end. Working with her has been nothing but a pleasure.  She made getting an SBA loan easy!  Thank you, Lindsay and team, for all of your support!”

– Impact Beauty Bar, LLC, of Manitowoc

“Working with Nellie and team on our commercial mortgage was a breeze.  They provided all of the information we needed every step of the way and were always very quick to respond when we had additional questions.  After closing on the building and opening of our business, they continue to check in and offer help where needed.  We will definitely continue working with them on all of our business banking needs!”

– Sunday Dough of Sheboygan

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