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

WTB Edge Package

The WTB Edge package combine your business and personal checking account balances to give you great benefits including the ability to setup ACH Payroll and send your deposits using Remote Deposit Capture.

Benefits

Easily keep track of finances with WTB Online or WTB Mobile.
Complementary WTB Small Business Debit Card
The related accounts used to meet the combined average balance for WTB Edge are eligible for a waiver of the monthly base fee in service charge (Up to 5 non-interest bearing accounts)
ACH Credit processing for payroll and vendor accounts
WTB Online (up to 5 accounts)
Two virtual security tokens
Access to loan reporting and loan payments
ACH Positive Pay and Reverse Positive Pay
Remote Deposit Capture with a free ChecXpress scanner. Single feed, drop scanner included¹
Images with no statement at no additional charge.

Additional product information and details for WTB Edge Checking

Service cancellation within the first 2 years will result in an early cancellation fee of $250.

	Smart Business Checking	Performance Business Checking	WTB Edge Package
	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.	For Small Business Banking customers. Ideal for companies that maintain an average monthly balance of at least $20,000. Excludes analyzed accounts.
Earns Interest¹	No	Yes²	No
Available Features	WTB Online & WTB Mobile³ with iPad app. Complimentary WTB Business Debit Card or WTB Business Debit Rewards 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 or WTB Business Debit Rewards Card. No charge for eStatements. Images with statement at no additional charge.	Package includes: WTB Online & WTB Mobile³ with iPad App Complimentary WTB Small Business Debit Card The related accounts used to meet the combined average balance for WTB Edge are eligible for a waiver of the monthly base fee in service charge (Up to 5 non-interest bearing accounts) Pre-Funded ACH processing WTB Online (up to 5 accounts) Two virtual security tokens Access to loan reporting and loan payments Line of Credit Advances ACH Positive Pay and Reverse Positive Pay Remote Deposit Capture with a free ChecXpress scanner. Single feed, drop scanner included⁴. 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.	$20.00 if balance requirement is met, $40.00 fee if not met. eStatement required.
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	Additional virtual tokens. Suspended ACH files $20.00 per incident. ACH return item/notice of change $2.50. Add/reverse/delete file changes $15.00 each. Outgoing monthly transactions: $0.30 after the first 300. Early service cancellation fee⁴

Interest is paid on all collected balances and compounded monthly.
Please refer to current rate sheet.
Some mobile service provider fees may apply.
Service cancellation within the first 2 years will result in an early cancellation fee of $250.