Epic Business Checking – $15/month

Business checking that works as hard as you do.

Epic Business Checking gives you the everyday tools to run your business with confidence, plus benefits most business accounts make you pay extra for. You’ll get robust identity theft protection and recovery to safeguard your business, money-saving perks you can use right away, and the local, responsive service OceanAir is known for.

Open Epic Business Checking for just $15/month — with over $90 in monthly value built in. Call us at (805) 988-2151 or click the button below to set up an appointment to get started.

Click here to see the full Value Proposition for Epic Business Checking.
Click here to view the Business Benefits Reference Guide, including important terms, conditions, coverage details, limitations, and exclusions.
Click here to see how Epic Business and Epic Business Premium accounts compare.

Make an Appointment

Rates for Epic Business Checking

Tier	Min. Deposit	Term	Stated Rate	Annual Percentage Yield

Tier	Min. Deposit	Term	Stated Rate	Annual Percentage Yield
Tier 1	$0	Avg. Daily	0.030%	0.030%
Tier 2	$25,000	Avg. Daily	0.250%	0.250%
Tier 3	$100,000	Avg. Daily	2.227%	2.250%
Tier 4	$250,000	Avg. Daily	2.716%	2.750%

Business Account Documentation Checklist

To open a business account, all owners, managers, officers, or authorized signers must be present. The following information is required and must be imaged prior to request for account review and approval through Compliance.

Business / Owner Required Information

Verification of business‑in‑good standing from Secretary of State (Corporation, Limited Liability Company, Limited Partnership).
Provide the tax identification number (TIN/EIN) the business uses for reporting to the IRS.
Provide valid, unexpired, government‑issued photo identification for each owner, managing officer, or authorized signer
Business License or Business Tax Certificate
Business Activity Questionnaire with actual amounts (cannot have varies or 0)

Additional Requirements by Business Type

Sole Proprietors

Current Business License
Fictitious Business Name Statement (if operating DBA)

Corporations

Filed copy of Articles of Incorporation
Copy of Corporate Minutes or Corporate Resolution identifying:
- the account is to be opened
- corporate officers
- signers to be on the account
Certified copy of Fictitious Business Name Statement (if operating DBA)
Certification of Beneficial Owners – Appendix A

Limited Liability Companies

Filed copy of Operating Agreement
Copy of Articles of Organization or copy of Statement of Information
Documentation from organization authorizing:
- the account is to be opened
- managers
- signers to be on the account
Certification of Beneficial Owners – Appendix A

Limited Partnerships

Copy of Certification of Limited Partnership
Copy of Statement of Information
Documentation from organization authorizing:
- the account is to be opened
- general partner
- signers to be on the account

General Partnerships

Copy of Partnership Agreement
Fictitious Business Name Statement (if operating DBA)
Current Business License
Documentation from organization authorizing:
- the account is to be opened
- partners
- signers to be on the account
Certification of Beneficial Owners – Appendix

Unincorporated Associations

Copy of Articles of Association
Charter documentation
Documentation from organization authorizing:
- the account is to be opened
- officers
- signers to be on the account
Letter of Authorization by regional/national office (if using the regional/national EIN)

Incorporated Non‑profits

Filed copy of Articles of Incorporation
By‑laws
Copy of Corporate Minutes or Corporate Resolution identifying:
- the account is to be opened
- corporate officers
- signers to be on the account
Certified copy of Fictitious Business Name Statement (if operating DBA)
Certification of Beneficial Owners – Appendix A

Account Information & Disclosures

Epic Business Checking and Epic Business Premium Checking accounts are subject to monthly maintenance fees of $15 and $19, respectively. Contact the credit union for current fee information.

The stated monthly value is an estimate based on the combined retail value of eligible account benefits. Actual value will vary based on activation, usage, and individual business needs. Business benefits are provided through BaZingBIZ and are available to eligible account holders. Certain benefits require activation and may be subject to additional terms, conditions, limitations, and exclusions. See the Business Benefits Reference Guide for complete details.

Insurance products and programs associated with account benefits are not deposits, are not federally insured, are not obligations of the credit union, and are not guaranteed by the credit union or any government agency. Coverage is subject to applicable terms, conditions, limitations, and exclusions.

Annual Percentage Yields (APYs) are accurate as of 7/1/2026 and are subject to change without notice. Fees may reduce earnings. Tiered rates apply based on the account’s average daily balance, and different portions of the balance may earn different rates. Membership and eligibility requirements apply. Contact the credit union for details.