Business Options Checking
Built for businesses that have outgrown Basic Business Checking and need more monthly activity — without moving into a fully analyzed account. It's a strong fit for companies with higher deposit balances, higher payment volumes, and more day-to-day transactions.
Questions? We'll help you choose the right fit.
At a glance
- $20 monthly service fee (can be avoided — see below)
- No monthly service fee with a $10,000 minimum daily balance or a $25,000 average daily balance
- 500 total items included; $0.40 each item over
- Business online banking, bill pay, and AutoBooks (invoicing & payment tools built into online banking)
- Cash management options available (ACH/wires, remote deposit capture, lockbox, payroll support)
- Free debit card (on approval)
Terms
- Monthly service fee: $20.00
- How to avoid the fee: maintain a $10,000 minimum daily balance or a $25,000 average daily balance
- Included activity: 500 total items per month
- Excess item fee: $0.40 per item over the monthly allowance
- Documentation: business license and IRS letter issuing the tax ID number
Expanding your capabilities
Businesses using ACH, remote deposit capture, or other treasury tools may benefit from Analyzed Business Checking .
Want to strengthen reserves? Consider pairing with Business Money Market .
Still deciding? Let's talk through your monthly activity and make sure this account fits.
Start the conversation →
