Business Checking

Business Checking

Checking and savings accounts form the foundation of business fiscal operations. Our accounts are designed to maximize your cash flow management.

Smart Business Checking

Leverage your banking relationship with Smart Business Checking!

This non-interest earning business checking account is best suited for small to medium size business customers with moderate monthly transaction volume

Benefits

  • $8 monthly service charge will be waived (or the account will be credited $8 depending on service charges and minimum relationship balance requirements; see Smart Business Checking terms and conditions).
  • Relationship balance eligible accounts must have the same primary ownership within the same business customer relationship.
  • Easily keep track of finances with WTB Online or WTB Mobile.
  • Free WTB Business Debit Card
Additional product information and details for Smart Business Checking

Performance Business Checking

Best suited to sole proprietors, government agencies, and qualifying non-profits with limited transaction activity, Performance Business Checking earns interest on tiered rates. Interest is paid on all collected balances and compounds monthly, letting your funds work harder for you.

Benefits

  • $12 monthly service charge is waived if the $5,000 average ledger balance requirement is met.
  • Earns interest
  • Easily keep track of finances with WTB Online or WTB Mobile.
  • Prevent overdrafts by using funds transfers from a related savings, money market, checking, credit line, or credit card.
  • Free WTB Business Debit Card
Additional product information and details for Performance Business Checking
comparison of Checking Accounts
Smart Business CheckingPerformance Business Checking
Best suited for small to medium-sized business customers with moderate monthly transaction volume.Best suited for sole proprietors and qualifying non-profits with limited transaction activity.
Earns Interest1NoYes2
Available Features
  • WTB Online & WTB Mobile3 with iPad app.
  • Complimentary WTB Business Debit Card.
  • No charge for eStatements. Fee waived the first year on a Visa┬« Business Credit Card (with or without optional rewards program).
  • No per item charge for checks, ACH debits, and ACH credits.
  • Images with statement at no additional charge.
  • WTB Online & WTB Mobile3 with iPad app.
  • Complimentary WTB Business Debit Card.
  • No charge for eStatements.
  • Images with statement at no additional charge.
Monthly Base Fee In Service Charge

None if account maintains a $1,000 average ledger relationship balance in a checking, savings, money market, certificate of deposit, or active loan, otherwise $8.00.

Relationship balance eligible accounts must have the same primary signer within the same business customer relationship.

None if average ledger balance requirement of $5,000 or more is met during a month, otherwise $12.00.
Other Fees
  • Up to 100 transactions and items deposited (including checks, ACH debits, ACH credits and items deposited) each month at no charge, then $0.25 each regardless of balance kept in account.
  • Up to $5,000 cash can be deposited each month at no charge, then standard charges apply.
  • Paper Statement: $3.00
  • 50 checks/debits free per month, then $0.25 each.
  • 150 checks deposited free per month, then $0.25 each.
  • Paper Statement: $3.00
  1. Interest is paid on all collected balances and compounded monthly.
  2. Please refer to current rate sheet.
  3. Some mobile service provider fees may apply.

Analyzed Accounts

Business Analyzed Checking

This account is for businesses with special servicing requirements, higher-than-average volumes and collected balances exceeding $30,000. You can reduce or eliminate monthly service fees with an earnings credit analyzed on a monthly basis.

Additional product information and details for Analyzed Checking

Small Business Analyzed Checking

Small business customers with commercial services needs who want the flexibility to choose value added cash management services specific to their business needs.

Additional product information and details for Small Business Analyzed Checking

Analyzed Commercial Market Fund

An easily accessed high-yielding deposit account, combined into the corporate analysis for added value on balances.

Additional product information and details for Analyzed Commercial Market Fund
comparison of Analyzed Accounts
Small Business Analyzed CheckingAnalyzed CheckingAnalyzed Commercial Market Fund
Small business customers with commercial services needs who want the flexibility to choose value added cash management services specific to their business needs. Ideal for customers with balances of $50,000 to $250,000.For businesses using certain Treasury Management Services and with higher than average volumes and collected balances.An easily-accessed, high-yielding deposit account, combined with the corporate analysis for added value on balances. For customers with a combined balance of $100,000 in an analyzed checking and a commercial market fund, the market fund may be added to a relationship analysis.
Earns Interest1NoNoYes - Tiered Rates
Available Features
  • WTB Online (Cash Management) and WTB Mobile with iPad app.
  • Remote Deposit Capture Small Scanner Package (ChecXpress, single fee, drop scanner included)
  • Unlimited Bill Pay
  • Remote Deposit Anywhere (Mobile Capture on case by case basis)
  • Fraud Protection Services: ACH Positive Pay and Reverse Positive Pay
  • Merchant services application fee waived.
  • WTB Online (Cash Management) and WTB Mobile with iPad app.
  • Automatic funds transfer overdraft coverage and sweep transfer set-ups.
  • WTB Online (Cash Management) and WTB Mobile with iPad app, if linked to an eligible account.
  • Automatic funds transfer overdraft coverage and sweep transfer set-ups.
Monthly Base Fee In Service Charge1$30.00 Bundled Package Offer$12.00$12.00
Other Fees2
  • Per Check / Debit Paid - First 100 at no charge, after which: $0.18
  • Per Deposit Paid - First 10 at no charge, after which: $0.30
  • Per Check Deposited:
    • WTB item: No Charge
    • Non-WTB item: $0.11
    • Canadian item: $0.11
  • ACH Credit - First 50 items at no charge, after which: $0.13
  • Per ACH Debit - First 50 items at no charge, after which: $0.13
  • Per Deposited Item
    • Returned: $9.00
  • Special Handling $10.00 per month minimum.
  • Paper Statement Fee: $3.00
  • Per Check / Debit Paid: $0.18
  • Per Deposit: $0.30
  • Per Check Deposited:
    • WTB item: $0.10
    • Non-WTB item: $0.11
    • Canadian item: $0.11
  • Per ACH Credit / Debit: $0.13
  • Per Deposited Item
    • Returned: $9.00
  • Special Handling $10.00 per month minimum.
  • Deposit Coverage: Current Rate
  • Paper Statement Fee: $3.00
  • Per Check / Debit Paid: $0.18
  • Per Deposit: $0.30
  • Per Check Deposited:
    • WTB item: $0.10
    • Non-WTB item: $0.11
    • Canadian item: $0.11
  • Per ACH Credit / Debit: $0.13
  • Per Deposited Item
    • Returned: $9.00
  • Special Handling $10.00 per month minimum.
  • Deposit Coverage: Current Rate
Charges Offset by Earnings AllowanceEarnings credit allowance calculated on collected balances. (SBA is package product with a separate earnings allowance. It should not be combined with other analyzed checking accounts for account aggregation to offset fees)Yes, premium earnings credit allowance calculated on collected balance. (Allow multiple analyzed checking and money market products to be linked for earnings analysis)Yes, premium earnings credit allowance calculated on collected balance.
Additional Components
  • Small Bus Wire Module: $20.00
  • Small Bus ACH Module: $20.00
  • Positive Pay: $35.00
  • Wire Services: Fees vary by type of wire and delivery channel
  • WTB Online Bus Module: $35.00
  • WTB Online ACH Module: $30.00
  • Positive Pay: $35.00
  • RDC Scanner Packages: $29.50 - $80.00 a month (based on volume/usage)
  • Wire Services: Fees vary by type of wire and delivery channel
Wire Services: Fees vary by type of wire and delivery channel
  1. Certain other expenses may be applied to Analyzed Accounts. Excess earnings allowance on any commercial market fund may be used to offset service charges in the deposit relationship. For more information, call your banker. Interest is calculated each day on the entire collected balance and the rate paid is determined by the tier. Charges can be offset with earnings allowance established by the bank and calculated on collected balances.
  2. Service cancellation within the first 2 years will result in an early cancellation fee of $250.

Please refer to the list of Business Banking Account Services Fees and Charges and the Commercial Services Price List for additional fees which may apply to these accounts.