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Business Checking Accounts

Your business checking is the account you probably use the most. Logic dictates this should be the account that also works best for your business. Makes sense to us! That’s why we offer a variety of business checking accounts to meet the needs of your business.

Bank Five Nine offers several business checking accounts perfect for small businesses, with options that provide no monthly fees and low minimum balance requirements.

Take a minute to explore our options and let us know if you have any questions!

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Check Current Deposit Rates

FeatureBasic Business CheckingSelect Business CheckingPremier Commercial CheckingBusiness Checking with InterestCommunity Checking
Product DescriptionFor businesses with a low amount of transaction volume (<150)For businesses with a moderate amount of transaction volume (50-500)For businesses with a large amount of transaction volume (>500)Available to sole owners, government units and nonprofit organizationsDesigned for nonprofit organizations
Minimum Opening Balance$300$300$300$300$100
Minimum Balance Requirement$300 daily or $500 monthly average balance$1,000 daily or $2,500 monthly average balanceNo minimum balance$300 daily or $500 monthly average balance$100 daily balance
Monthly Maintenance FeeNone if balance requirement is met; otherwise $8None if balance requirement is met; otherwise $15$18/moNone if balance requirement is met; otherwise $15None if balance requirement is met; otherwise $10
Per Item FeeFirst 150 items free (includes checks,deposits, items deposited), $0.30 per item thereafterFirst 500 items free (includes checks, deposits, items deposited), $0.30 per item thereafterChecks/debits: $0.18 Deposits/credits: $0.30
Items deposited: $0.12
First 500 items free (includes checks, deposits, items deposited), $0.30 per item thereafterNone
Monthly Earnings Credit*NoNoYesNoNo
Interest BearingNoNoNoYesNo
Free Check SafekeepingYesYesYesYesYes
Your Choice of Paper or eStatementsYesYesYesYesYes
24-Hr Telephone Banking AccessYesYesYesYesYes
Business Online BankingYesYesYesYesYes
Business Online Bill PayYesYesYesYesYes
Business Debit CardsYesYesYesYesYes

*Monthly Earnings credit used to Reduce or Eliminate Monthly Service Charges (the average positive available balance is reduced by a 10% reserve requirement)