Earn Credits Against Fees
The balance you keep can help cover fees.
Full Transparency
No surprise charges; you’ll know what you’re paying for.
Smarter Cash Management
Know what you’re using, so you don’t pay for what you don’t need.
Every business keeps a balance in its checking account. However, most don’t know what that balance is doing for them. Account analysis for Analyzed Business Checking changes that. Log in to our digital banking platform to review exactly what you’re being charged for and the earnings credit rate (ECR) working against your average collected balance to help offset those fees. The more you keep on deposit, the more it works in your favor. In addition to digital access, we’ll also send you a monthly breakdown of what you’re being charged for and what you’ve earned back.
More than just a monthly statement.
Know exactly what your account costs, and what it earns you back.
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Monthly account analysis online: Know your costs, know your balance, and manage both to offset—or eliminate—charges.
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Fee transparency: Catch errors, optimize cash management, and validate ECR offsets for your Analyzed Business Checking account to improve your balance.
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Earnings credit rate (ECR): Reduce or eliminate fees on your Analyzed Business Checking account by maintaining a higher deposit balance.
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Average collected balance calculation: See the balance that counts toward your earnings credit, so you know exactly what's driving your savings.
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Service charge offset program: Turn your balance into credit against eligible monthly fees, so you manage expenses with less out of pocket.
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Analysis of treasury management services utilized: Know how your treasury tools are performing, so every cash management decision is backed by data.
How account analysis works for Analyzed Business Checking.
Your balance does the work—here's how it turns into savings.
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We calculate your average collected balance each month.
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We apply the current earnings credit rate (ECR) to that balance, generating an earnings credit.
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That credit offsets your eligible Analyzed Business Checking account fees.
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You see the net result monthly, including what you owed, how much was offset, and what you actually paid.
What is the timing for account analysis?
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Activity |
Timeline |
|---|---|
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Analysis Cycle |
Monthly |
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Earnings Credit Application |
Monthly statement cycle |
[Treasury M...ning Final | PDF]
What is the fee for account analysis?
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Service |
Fee |
|---|---|
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Account Analysis |
Digital banking dashboard access included with all Business Checking accounts. Analyzed Business Checking includes a monthly account analysis statement. |
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Earnings Credit Rate |
2.00% ECR |
Account Analysis FAQs
Account analysis is a monthly statement that details business account service charges and applies an earnings credit rate (ECR) to offset eligible Analyzed Business Checking account fees based on your average collected balance. It gives your business full visibility into costs and a way to reduce those costs through the balances you already keep.
Basic and Advanced Business Checking accounts give you immediate access to the account management dashboards as soon as you log in to our digital banking platform. The Analyzed Business Checking account includes digital dashboard access, plus an analysis statement mailed to you monthly.
An earnings credit rate is a rate applied to a business's average collected balance that generates credit to offset eligible monthly banking fees. The higher your collected balance, the more earnings credit you generate to reduce or eliminate service charges. ECR is only available for Analyzed Business Checking.
A monthly account analysis statement shows your average collected balance, the earnings credit rate applied, the earnings credit generated, and how that credit offset your eligible monthly fees and charges. The account analysis statement provides a clear, itemized view of your monthly banking costs and ECR calculation. If you haven’t signed up for Analyzed Business Checking yet, do so now.
Membership eligibility required. Account Analysis is available with Analyzed Business Checking. The Earnings Credit Rate (ECR) is 2.00% as of September 22, 2026, is variable, and may change without notice. ECR is applied to the average collected balance and may be used to offset eligible account service fees. Earnings credits have no cash value, do not constitute interest, and do not carry over between statement periods. See the applicable account agreement and fee schedule for complete terms, eligible fees, and calculation details. Federally insured by NCUA.