Business Checking
Choose an account structure that benefits your business activity and goals.
All our business checking accounts include:
Free Online Banking
Mobile Banking with Mobile Deposit
- Bill Pay
Free Statements
- Free ATM / Debit Card with Fraud Alerts
- Access to Surcharge-Free ATMs, worldwide, with our free ATM Locator App1
Business Checking Account Options
Small Business Checking
Best for companies with lower transaction activity levels
Earnings
None
Monthly Fee2
$7 if minimum daily balance is not met
Minimum Daily Balance
$500, to avoid the monthly fee
Transaction Charge
150 free transactions per month, then $0.40 per transaction
Commercial Checking
Best for companies with higher transaction activity levels
Earnings
Earnings credit can reduce your fees. Paid on the average collected balance, less reserves
Monthly Fee2
$15
Transaction Charge
- Debit: $0.20
- Credit: $0.40
- Deposited Item on Us: $0.05
- Deposited Item on Others: $0.11
Community Checking
Best for sole proprietors, community group and nonprofit organizations
Earnings
None
Monthly Fee2
None
Transaction Charge
25 free transactions per month, then $0.45 per transaction
Civic Checking
An interest-bearing account option for nonprofit organizations
Earnings3
Interest is paid on two tiers:
- $0 – $24,999
- $25,000+
Monthly Fee2
$7 if minimum daily balance is not met
Minimum Daily Balance
$2,500, to avoid the monthly fee
Transaction Charge
100 free transactions per month, then $0.25 per transaction
Protect Your Business Accounts
Fraud Protection for Your Debit Card
If we suspect you may be a victim of debit card fraud, we will:
- Send an Email, Followed by a Text Message
You Can Reply ‘Fraud’ or ‘No Fraud’
- No Response? You Will Get an Automated Call with the Option to Speak to a Fraud Analyst
Get the Most Out of Your Banking Relationship
All business and nonprofit checking accounts require a $100 opening balance.
1 Some ATM networks may impose an additional surcharge unrelated to our accounts. This charge will be assessed to your account.
2 Other charges may apply to these accounts, see separate miscellaneous fee schedule.
3 Interest will be compounded and paid monthly based on the daily collected balance. Refer to our deposit account rates for current rate information. At our discretion, interest may change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of checks.