Business Banking

Business Checking Accounts

We know business demands a lot from you, so you should demand more from your bank. Our business checking accounts are designed to deliver service, value and solutions, leaving you more time to run your business. Compare accounts.

SMART Business Checking - Start-ups, sole proprietorships or not-for-profit businesses with low tranaction volume.

Account Details

  • Limit 100 item transactions per monthly statement, then each over limit $0.10
  • Minimum daily balance under $500, $15 monthly service charge
  • Minimum $100 deposit to open account
  • Online statement no charge or paper statement $10
  • Item Transactions - each item counts as one transaction (five checks on one deposit equal six item transactions)

SMART Business Advantage - Small to mid-size businesses with moderate transaction volume.

Account Details

  • Limit 250 item transactions per monthly statement, then each over limit $0.10
  • Minimum daily balance under $2,500, $20 monthly service charge
  • Minimum $250 deposit to open account
  • Online statement no charge or paper statement $10
  • Item Transactions - each item counts as one transaction (five checks on one deposit equal six item transactions)

Smart Business Checking and Smart Business Advantage Account Benefits - No Charge*

  • eBusiness Bank Basic - online account management
  • eBusiness Bill Pay Basic** - includes first 20 items, then $0.55 each
  • FIRST Line Banking - 24 hour telephone banking

SMART Business Premier - Analyzed Checking for any businesses with high item transactions.

Account Details:

  • No minimum balance
  • No item transaction limit. Market rate earnings credit applied to daily collected balance to offset item charges
  • Charges based on services provided and balances maintained
  • Minimum $250 deposit to open account
  • Online or paper statement no charge

A-1 Money Fund - Businesses with limited activity and interest earning+

Account Details:

  • No service charge with minimum daily balance over $1,000
  • Minimum daily balance under $1,000, $10 monthly service charge and no interest paid
  • Minimum daily balance under $1,000, limit six (6) debit transaction++ items per monthly statement, then each over limit $10
  • Minimum $2,500 deposit to open account
  • Online statement or paper statement+++

Compare accounts.

+Check with your local banking center  for current rates. Interest compounded and paid monthly. APY (annual percentage yield) subject to change.

++Debit transaction items - preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card, and similar transactions from your account, per monthly statement.

+++Monthly statement if you have an electronic funds transfer (EFT) or a combined statement. Otherwise, quarterly statement.

**Internet, data, and text message rates may apply; check with your provider for applicable charges.

Sales tax is applicable to fees and service charges noted.

Questions? Contact us.

Personal Business Retirement
Use our business debit card. Link to business debit card page.Help for small businesses. Link to SBA Loans page.Get a business loan. Link to business lending page.