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Business Checking Accounts

Our “Smart” business checking accounts are tailored to match the needs of every type of business.

Account Type More Info Monthly Service Charge Minimum Opening Balance Minimum Balance To Avoid Service Charge Minimum Daily Balance to Earn Interest
Smart Business Checking More» $10 $100 $2,500 Average Daily Balance N/A

Smart Business Checking

This account is perfect for start-up businesses or those with a low monthly transaction volume:

  • No service charge with an average daily balance of $2,500, otherwise a $10 monthly service fee
  • Includes 200 free items per statement cycle.  Pay just $.25 per item on all checks, debits, credits, and deposited items in excess of 200 per statement cycle
  • Free Online Banking
  • Free Online Bill Pay
  • VISA Business Debit Card available with no annual fee
  • Monthly check image statements
  • Only $100 minimal balance requirement to open
Smart Analysis Checking More›› $12

$100

May be offset by Earnings Credit Allowance N/A

Smart Analysis Checking

An account for businesses that have high activity, high balances and/or multiple accounts:

  • A monthly service fee and per item charges apply
  • A competitively priced earnings credit which is based on your average daily balance less required reserves may reduce your monthly service charge
  • Free Online Banking
  • Free Online Bill Pay
  • VISA Business Debit Card available with no annual fee
  • Monthly check image statements
  • Only $100 minimal balance requirement to open
Smart Business NOW Checking More›› $10

$100

$5,000 Average Daily Balance $1,000

Smart Business NOW Checking

A full service account that offers the added benefit of earning interest.  Available only to Sole Proprietors, Non-profits, Agents of Public Entities, and Fiduciaries:

  • No service charge with an average daily balance of $5,000, otherwise a $10 monthly service fee plus per item charges of $.15 per debit, $.20 per credit, and $.08 per deposited item apply
  • Earn interest on the daily balance of $1,000 or more with tiered interest rate levels that allow you to earn more on higher balances
  • Interest is compounded daily and credited monthly
  • Free Online Banking
  • Free Online Bill Pay
  • VISA Business Debit Card available with no annual fee
  • Monthly check image statements
  • Only $100 minimal balance requirement to open
Smart Non-Profit Checking More›› $7

$100

$700 Average Daily Balance

N/A

Smart Non-Profit Checking

A full service account for legally designated non-profit entities such as clubs, churches, schools, etc.:

  • No service charge with an average daily balance of $700, otherwise a $7 monthly service fee
  • Unlimited check writing
  • Free Online Banking
  • Free Online Bill Pay
  • VISA Business Debit Card available with no annual fee
  • Monthly check image statements
  • Only $100 minimal balance requirement to open
Union NOW Commercial More›› None $100 No Minimum Balance Required $10,000

Union NOW Commercial

A full-service account for all Union Members that is perfect for servicing the needs of the operations of a local union.  It provides the flexibility of a checking account with money market rates:

  • No monthly service charge
  • Unlimited check writing
  • Earn interest with daily balance of $10,000 or more
  • Interest is compounded daily and credited monthly
  • Monthly check image statements
  • Only $100 to open