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Business Checking and Savings

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.

FAQs >>

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