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Business Checking LegendCompare our Business Checking Accounts to discover which account will work best for your needs.

Business Start Checking Business Momentum Checking Business Elite Checking Non-Profit Checking
Account Designed For This simple, low cost account is ideal for the small business owner with low transaction volume. A robust option perfect for the efficient small business with moderate transaction volume and access to treasury management services. The premier solution for businesses with high transaction volume
and access to treasury management services.
An interest-bearing account built with the non-profit in mind. Enjoy special pricing on our most advanced services.
Minimum Opening Deposit $100 $100 $100 $100
Earns Interest1 Not Included Not Included Not Included Included with Account
Basic Online Banking Included with Account Included with Account Included with Account Included with Account
BUSINESSpro Commercial Online Banking Not Included Additional fee may apply for this account feature Additional fee may apply for this account feature Additional fee may apply for this account feature
Basic Bill Pay Included with Account Not Included Not Included Not Included
Business Bill Pay Not Included Additional fee may apply for this account feature Additional fee may apply for this account feature Additional fee may apply for this account feature
LSBpro Treasury and Cash Management Services2 Not Included
Images of Checks in Statement Included with Account Included with Account Included with Account Included with Account
ATM/Debit Card3 Additional fee may apply for this account feature Additional fee may apply for this account feature Additional fee may apply for this account feature Additional fee may apply for this account feature
Earnings Credit4 Not Included Not Included Included with Account Included with Account
Overdraft Protection5 Request an application. Request an application. Request an application. Request an application.
Monthly Maintenance Service Charges6 None No monthly maintenance service charge with $10,000 average daily balance7. $5.00 if below. No monthly maintenance service charge with $25,000 average daily balance7. $10.00 if below. None
Standard Transaction Item Fees8 No charge for first fifty (50) debit and credit items. Additional items are $0.15 each. No charge for first one hundred fifty (150) debit and credit items. Additional items are $0.18 each. Refer to our Common Commercial Fee Table. No charge for first three hundred fifty (350) debit and credit items. Additional items are $0.10 each.
Aggregate Cash Fees9 None $5,000 processed per statement cycle at no cost; $0.20 per $100 for additional cash deposit and withdrawals. $5,000 processed per statement cycle at no cost; then tiered:
-- $5,001 to $9,999 = $0.125 per $100
-- $10,000 to $19,999 = $0.10 per $100
-- $20,000 and over = $0.08 per $100
$10,000 processed per statement cycle at no cost; $0.10 per $100 for additional cash deposit and withdrawals

1 Your interest rate and annual yield may change. At the bank’s discretion, we may change the interest rate on your account daily. Interest will be compounded and credited to your account monthly. Interest begins to accrue no later than the business day the bank received credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Ask us for our current rates.
2 These services require a separate agreement. Additional fees may apply.
3 For Start, Momentum, and Elite checking accounts your first card is at no charge. For the Non-profit checking account the first three (3) cards are at no charge. There will be a $5.00 charge for each additional card.
4 Ask us for our current earnings credit.
5 Subject to credit approval.
6 Service charge assessed includes the per item fees.
7 The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a monthly cycle.
8 Standard transaction items include all deposited items (including deposit slips) and other credits to the account plus all withdrawals (excluding ATM), transfers, and other debits from the account, whether by check, debit card, overdraft protection transfer, automated clearing house (ACH), or otherwise.
9 Aggregate cash fees are calculated each calendar month at month end and then charged on the following statement cycle. To determine the amount of the fee, we divide the amount of cash deposits and withdrawals that exceed the cash processed at no charge by 100 and multiply the resulting quotient by the applicable fee.

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