You own the account, we power the technology

A complete small business solution connecting payments, accounting, and lending — integrated directly into digital banking.

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Business Checking

A checking account that helps you run your business

Get paid, send invoices, accept card payments, and stay on top of your cash flow — all from inside online and mobile banking. No third-party apps required.

Good morning, SarahMain Street Bakery • Business Select Checking
Dashboard
Invoices
Payments
Reports
$12,430
Available Balance
$3,850
Received This Month
$1,475
Outstanding
Recent Invoices
+ Send Invoice
Customer
Date
Status
Amount
Elm & Co. Catering
Feb 18
$825.00
Westfield PTA
Feb 15
$340.00
Garcia Wedding
Feb 12
PENDING
$1,475.00
Downtown Deli LLC
Feb 10
SENT
$210.00

No Monthly Maintenance Fee

Our Business Basic Checking account has no monthly maintenance fee, so you can focus on running your business without worrying about extra charges.

Get Paid Faster

Send digital invoices and accept card or ACH payments directly inside online and mobile banking. Funds deposit straight into your checking account.

FDIC Protection

Your deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category, so your money is safe and secure.

Compare Business Checking Accounts

From basic to full-featured, choose the account that matches the way you do business.

Business Basic Checking$0/monthA simple account for small businesses and startups Business Select Checking$25/monthFlexible checking for established and growing businessesMost Popular Business Premium Checking$30/monthFull-featured checking for businesses with complex needs
Standard Features
Business Debit Card
Online & Mobile Banking
Online Bill Pay
Online Banking Statements
Mobile Deposit
Overdraft Protection
Accept Payments
Professional Invoicing & Estimates
Secure Payment Links
In-Person Payments with Tap to Pay
Remote Deposit Capture--
Merchant Services--
Incoming Domestic Wires$15 per wire2 free/month$15 each additionalUnlimited at no charge
Accounting & Cash Flow
Cash Flow Dashboard--
Transaction Categorization--
Real-Time Profit & Loss--
Real-Time Balance Sheet--
Customer Payment Reporting--
Fraud Prevention
Fraud Monitoring Tools--
Positive Pay----
Dedicated Business Banker----
Transaction Limits
Monthly Transactions IncludedUp to 200$0.50 each additionalUnlimitedUnlimited
Monthly Cash DepositsUp to $5,000$0.30 per $100 afterUp to $10,000$0.25 per $100 afterUp to $25,000$0.20 per $100 after
Open AccountOpen AccountOpen Account

Business Checking Features

Every business checking account includes the essentials to help you manage your finances day-to-day.

Online Banking & Mobile App

Securely monitor balances, view transactions, transfer funds, and pay bills from any device. Manage your business accounts wherever you are.

Digital Invoicing

Create and send professional invoices right from online or mobile banking. Add your logo, set up recurring invoices, and track who's paid and who's past due.

Business Debit Card

Make purchases and access cash at thousands of ATMs nationwide. Set custom spending limits and receive real-time transaction alerts.

Accept Payments Online

Let customers pay by credit card, debit card, or ACH transfer. Share a secure payment link via text, email, or your website. Funds deposit directly into your account.

Fraud Prevention

Protect your business with transaction monitoring, card controls, and optional Positive Pay to verify checks and ACH items before they clear.

Tap to Pay on iPhone

Accept contactless in-person payments using just your iPhone. No extra terminals or hardware needed. Funds are typically deposited within two business days.

Email & Text Alerts

Stay on top of your account activity with customizable notifications for low balances, large transactions, deposits, and more.

Accounting & Cash Flow

Included with Select and Premium accounts. Categorize transactions, view real-time profit and loss, and access balance sheets — all inside online banking.

Business Savings & Money Market

Put your idle cash to work. Pair your checking account with a business savings or money market account to earn interest on your balances while maintaining easy access to your funds.

Explore Savings Options

Built for How You Work

No third-party apps. No transferring funds. Send invoices, accept payments, and manage your business finances in the same place you do your banking — supported by a financial institution you trust.

See How It Works

How to Open a Business Checking Account

Getting started is simple. Open your account online in minutes or visit your nearest branch.

Gather Your Documents

Have the following ready before you begin:

  • Employer Identification Number (EIN) or Social Security Number
  • Business formation documents (Articles of Incorporation, Operating Agreement, DBA Certificate)
  • Valid government-issued photo ID for all account signers
  • Business license or permit (if applicable)

Choose Your Account

Review the comparison above and select the checking account that best matches your transaction volume, balance levels, and the features your business needs to operate efficiently.

Apply Online or Visit a Branch

Complete your application online in as little as 10 minutes, or visit any branch. A business banker can help you select the right account and get you set up quickly.

Frequently Asked Questions

A business checking account is designed specifically for business transactions. It allows you to separate your personal and business finances, which is essential for accurate record-keeping, tax reporting, and maintaining liability protection for LLCs and corporations.
Once your account is open, log in to online or mobile banking and look for the invoicing and payment acceptance features. You can send a professional invoice in just a few taps, or share a secure payment link with your customers via text, email, or your website. When customers pay, funds deposit directly into your checking account, typically within two business days.
Digital invoicing and payment acceptance are included with your business checking account at no monthly fee. When a customer pays by card, a 3.49% processing fee applies per transaction. For ACH bank transfers, the fee is 1% per transaction. These are competitive, flat-rate fees with no hidden charges or equipment costs.
Accounting and financial reporting tools are included at no additional cost with Business Select Checking and Business Premium Checking. This includes a cash flow dashboard, automated transaction categorization, real-time profit and loss statements, and balance sheet reporting — all accessible directly inside online and mobile banking.
Tap to Pay on iPhone lets you accept contactless in-person payments using just your iPhone. No additional terminals or hardware required. Accept all major credit and debit cards, Apple Pay, and other digital wallets. Funds are typically deposited within two business days. Requires iPhone XS or later.
Business Basic Checking has no monthly maintenance fee. For Business Select Checking, the $25 monthly fee is waived when you maintain a minimum daily balance of $5,000. For Business Premium Checking, the $30 monthly fee is waived when you maintain $25,000 in combined deposit relationship balances.

Ready to Get Started?

Open your business checking account online today, or contact a business banker to find the right fit for your business.

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