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 eStatements1

  • Free ATM / Debit Card with Fraud Alerts
  • Access to Surcharge-Free ATMs, worldwide, with our free ATM Locator App2
Business Checking Accounts
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Business Checking Account Options

Small Business Checking

Best for companies with lower transaction activity levels

Earnings

None


Monthly Fee3

$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 Fee3

$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 Fee3

None


Transaction Charge

25 free transactions per month, then $0.45 per transaction

Civic Checking

An interest-bearing account option for nonprofit organizations

Earnings4

Interest is paid on two tiers:

  • $0 – $24,999
  • $25,000+

Monthly Fee3

$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

Positive Pay

Make your check processing more secure.

  • Submit an authorized list of checks issued by your company
  • We match the account, check number and dollar amount of checks presented for payment
  • We will send exceptions for your review
LEARN MORE

All business and nonprofit checking accounts require a $100 opening balance.
1 Paper statements are available for $5 per month.
2 Some ATM networks may impose an additional surcharge unrelated to our accounts. This charge will be assessed to your account.
3 Other charges may apply to these accounts, see separate miscellaneous fee schedule.
4 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.

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