Your business is unique so we offer several accounts with different features and benefits. Here at SMB, you get the electronic banking services you want...with the local, personalized service you deserve.
Free Business Checking
Just like it sounds, free checking for your business needs.
- Minimum $50 deposit to open
- No monthly service fee
- $.25 fee per debit item* over 100 items
- Free business debit card
- Free online banking
- Free electronic statements
- $3 per month if you elect to receive paper statements
*Debit items include checks and electronic (ACH) items
Business Checking
A checking account with no minimum balance required.
- Minimum $50 deposit to open
- Monthly service fee of $8 and $.10 per debit item*
- Receive an Earnings Credit based on the money market rate for every $100 of average monthly collected balance. Earnings Credit may offset all charges, including paper statement fee.
- Free business debit card
- Free online banking
- Free electronic statements
- $3 per month if you elect to receive paper statements
*Debit items include checks and electronic (ACH) items
Business Interest Bearing Checking
Earn interest on your checking account.
- Offered to DBA and Non-Profit Organizations
- Minimum $50 deposit to open
- No monthly service fee when you maintain a $1,000 minimum daily balance
- $10 per month when balance falls under $1,000
- $.25 fee per debit item* over 100 items
- Earn interest on balance - tiered rates (interest rate subject to change)
- Free business debit card
- Free online banking
- Electronic statement available
*Debit items include checks and electronic (ACH) items
Business Money Market Checking
Earn higher interest with higher balances.
- Minimum $50 deposit to open
- No monthly service fee when you maintain a $2,500 minimum daily balance
- $10 per month when balance falls under $2,500
- Limit of 6 checks/electronic debits per month
- Earn interest on balance - tiered rates (interest rate subject to change)
- Electronic statement available
Business Savings
Earn interest and save money for unexpected business expenses.
- $5 minimum deposit to open
- Earn interest on balance (interest rate subject to change)
- No monthly service fee when you maintain a $100 minimum daily balance
- $2 per month when balance falls under $100
- Withdrawal fee of $1 per item when over 6 debit items* per month
*Debit items include checks and electronic (ACH) items
| Free Business Checking | Business Checking |
Business Interest Bearing Checking |
Business Money Market Checking |
Business Savings |
|
|---|---|---|---|---|---|
| Minimum To Open | $50 | $50 | $50 | $50 | $5 |
| Minimum Daily Balance | None | None | $1,000 | $2,500 | $100 |
| Monthly Fee | None | $8 | $10 if below minimum balance | $10 if below minimum balance | $2 if below minimum balance |
| Per Debit Item Charge | $.25 per debit item over 100 | $.10 per debit item | $.25 per debit item over 100 | None, limit 6 per month | $1 per withdrawal over 6 per month |
| Interest Earned | No | Earnings Credit** | Yes | Yes | Yes |
| Check Images | Yes | Yes | Yes | Yes | No |
| Debit Card | Yes | Yes | Yes | Yes | ATM Card |
| Free Electronic Statements | Yes | Yes | Yes | Yes | Yes |
| Paper Statement Fee Per Month | $3 | $3 | None | None | None |
**Receive an Earnings Credit based on our money market rate for every $100 of average monthly collected balance. Earnings Credit may offset all charges.
Overdraft Options
Having purchases returned due to insufficient funds can be frustrating and costly. We have some options to help keep you protected.
SMB Debit Cards
It's an expectation to have access to your money 24 hours a day and that's what you get with your business debit card. Make ATM deposits, use our Mobile Wallets, and much more.
Deposit Rates
View and compare our current deposit rates on our business and personal accounts.
Electronic Business Services
We have several electronic banking services that give you true control of your finances, greater flexibility, and more time to spend on your business.
