Commercial Checking Accounts

Whether your business is big or small, we have an account that will work for you.


The Small Business Checking Account is a starter account for small businesses such as sole proprietorships and DBA entities. Ideal for businesses with a small volume of checks and deposits clearing through the account. 

  • Minimum Deposit to Open: $200
  • Account Maintenance Fee of $10.00 per month if the monthly statement is mailed, or $8.50 per month if you opt for eStatements
  • Per Check Charge: No fee for the first 25 - each additional check is $0.20 each
  • Deposit Items Charge: No fee for the first 65 - each additional deposit item is $0.08 each
  • $1.00 per month for each FSB Mastercard Check Card

The Commercial Checking Account is designed for a business that maintains a higher balance and runs a large volume of checks through the account. 

  • Minimum Deposit to Open: $200
  • Account Maintenance Fee of $8.00 per month if your monthly statement is mailed, or $6.50 per month if you opt for eStatements
  • Fee of $0.15 each per debit item
  • Fee of $0.045 each for clearing checks
  • Commercial Accounts are charged by Account Analysis
  • Interest Credit: Collected balance less 3%
  • Reserves at a variable interest rate, which is subject to change daily
  • $1.50 per month for each FSB Mastercard Business Debit Card


Questions about our business accounts? Give us a call at (800) 600-7117.