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Business Savings

An ideal choice for the small business owner.

The Basics

  • Member NCUA: YES. Deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law ($250,000) 
  • Minimum Deposit: $0
  • Monthly Balance Requirement: $0
  • Monthly Maintenance Fee: $0 
  • Comes with MasterMoney Debit Card and free access to CHROME 24
  • Account may be closed if not funded within 30 days of opening


Unlimited Transactions:
  • Deposits
  • ATM withdrawals and transfers
  • In-branch withdrawals and transfers
  • Debit card PIN and signature transactions
  • Transactions via CHROME 24 Digital banking
  • Bill and person-to-person payments via CHROME 24 Bill Pay
  • Access to over 40,000 surcharge-free ATMs for deposits and withdrawals

Availability - Deposits and Transfers

Processing order: We post transactions in the order we receive them.
Business days: Monday - Friday from 9:00 am to 5:00 pm excluding
federal holidays.
  • Direct deposits: Same business day
  • Transfers between CHROME accounts: Immediate
  • Transfers initiated at another bank: Up to three business days
  • Transfers initiated at CHROME: Up to three business days
  • Checks drawn on CHROME: Next business day
  • Night box deposit: Next business day
  • ATM deposit: $100 immediately, balance second business day after deposit
  • US Treasury checks payable to you: Immediate
  • All other checks payable to you:
    • If under $5,525: $225 immediate; remainder on second business day.
    • If over $5,525: $225 immediate; $5,300 remainder on the second business day and then the remainder over $5,525 on the 5th business day.
  • Checks deposited by members with overdraft history: Five business days
  • Checks deposited to new accounts (first 30 days) may be subject to holds up to seven business days

About Certificates

Certificates are among the safest investment a business can make. They allow members to earn on their terms, with the rate and flexibility they want. The dividends rate is determined ahead of time, and the member is guaranteed to get back what they put in plus dividends once the certificate matures.

CHROME Certificate Features

  • Dividends Bearing: YES 
    • Our rates are consistently among the most competitive in our area 
    • All accounts earn dividends, which is compounded and credited monthly 
    • Compounded dividends results when dividends is added to the principal so that the dividends also earns dividends 
  • Member NCUA: YES. Deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law ($250,000) 
  • Minimum Deposit: $0 
  • Monthly Balance Requirement: $0 
  • Monthly Maintenance Fee: $0 
  • Choose 6, 12, 24, 36, 48, or 60-month certificates

6-month No-Penalty Certificate

CHROME’s special 6-month No-Penalty Certificate allows maximum flexibility and is perfect for first-time certificate investors or those who may suddenly desire access to their funds. The certificate operates like any other, but if the member desires to withdraw the funds prior to the 6-month maturity date no early withdrawal penalty is applied.