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 Business Digital Banking.
- Free WTB Business Debit Card
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 Business Digital Banking.
- Prevent overdrafts by using funds transfers from a related savings, money market, checking, or credit line.
- Free WTB Business Debit Card
Smart Business Checking | Performance Business Checking | |
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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 Interest1 | No | Yes2 |
Available Features |
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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 |
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- Interest is paid on all collected balances and compounded monthly.
- Please refer to current rate sheet.
- 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 CheckingSmall 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 CheckingAnalyzed 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 FundSmall Business Analyzed Checking | Analyzed Checking | Analyzed Commercial Market Fund | |
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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 Interest1 | No | No | Yes - Tiered Rates |
Available Features |
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Monthly Base Fee In Service Charge1 | $30.00 Bundled Package Offer | $12.00 | $12.00 |
Other Fees2 |
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Charges Offset by Earnings Allowance | Earnings 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 |
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Wire Services: Fees vary by type of wire and delivery channel |
- 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.
- Service cancellation within the first 2 years will result in an early cancellation fee of $250.
- Some mobile service provider fees may apply.
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.