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Basic Business Checking
Ideal for sole proprietors and businesses with basic checking needs.
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Business Interest Checking
Designed for all businesses looking to earn a competitive rate of interest.
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Business Analysis Checking
A high volume account for established businesses with large daily balances.
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Business Sweep Account
This account combines the power of Analysis Checking with the earnings potential of a money market account.
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Community Dividends® Checking
A simple, interest bearing transaction account specially designed for 501(c)(3) local nonprofits.
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Community Dividends® Analysis Checking
A higher volume checking account established for 501(c)(3) nonprofits looking to offset certain activity fees using an Earnings Credit Rate.
Business Checking
Hide Compare Accounts
| Basic Business Checking | Business Interest Checking | Business Analysis Checking | Business Sweep Checking | Community Dividends Checking (Standard) | Community Dividends Checking (Analysis) | |
|---|---|---|---|---|---|---|
| Description | Ideal for sole proprietors and businesses with basic checking needs | Designed for all businesses looking to earn a competitive rate of interest | A high volume account for established businesses with large average daily balances | This account combines the power of Analysis Checking with the earnings potential of a money market account | A simple, interest bearing transaction account specially designed for 501(c)(3) local nonprofits | A higher volume checking account established for local 501(c)(3) nonprofits looking to offset certain activity fees using an Earnings Credit Rate |
| Monthly Maintenance Fee | $8 | $18 | $20 | $18 | $0 | $18 |
| How to Avoid Monthly Maintenance Fee | Enroll in eStatements | $8 credit: enroll in eStatements $10 credit: Maintain a $10,000 average balance |
Balances in this account earn an Earnings Credit which may offset this and other fees | Balances in this account earn an Earnings Credit which may offset this and other fees | N/A | Balances in this account earn an Earnings Credit which may offset this and other fees |
| Minimum Opening Deposit | $50 | $50 | $50 | $50 | $50 | $50 |
| Number of Free Processed Transaction Items1 | Up to 150 Free Processed Transaction Items | Up to 250 Free Processed Transaction Items | Balances in this account earn an Earnings Credit which may offset this and other fees, including Cash Management fees | Balances in this account earn an Earnings Credit which may offset this and other fees, including Cash Management fees | Up to 150 Free Processed Transaction Items | Balances in this account earn an Earnings Credit which may offset this and other fees, including Cash Management fees |
| Additional Item Fee | $0.40 | $0.40 | Not Provided | Not Provided | $0.40 | Not Provided |
| Cash Management Options2 | ||||||
| Interest Earning | Not Provided | Not Provided | Not Provided | Not Provided | ||
| ZBA Eligibility | Not Provided | Not Provided | Not Provided | Not Provided | ||
| Learn more | Learn more | Learn more | Learn more | Learn more | Learn more |
- Items include: regular deposits, deposited items, ATM deposits and withdrawals, transfers (in-person, online, automatic, telephone and ATMs), manual loan payments, cashed checks, deposits received by mail, ACH debits, cashier’s check debits, officer approved checks and POS transactions (one-time and recurring).
- Cash Management options include ACH, Wire Transfer, Lockbox, Night Depository Service, Remote Deposit Capture, Positive Pay and Merchant Services. Fees apply.
Additional Benefits & Services
- FREE Account Alerts
- FREE Digital & Mobile1 Banking
- Check Images & free2 eStatements
- FREE Online Bill Pay
- FREE 24-7 Telephone Banking
- Chip Enabled Debit Cards
- Overdraft Protection Options
- Relationship Account Rewards
1. Your mobile carrier's text messaging and web access charges may apply. Cash Management features including Wire Transfers, ACH Services, Remote Deposit Capture and Positive Pay available for additional fees. 2. Front and back check images are free if you are enrolled in eStatements. Fees apply for check images if you are not enrolled in eStatements.
Order Checks
You can easily order new checks for your business or yourself through one of the links below.
Overdraft Protection
Overdraft Protection
A cushion for the unexpected. We offer two options to protect your account from accidental overdraft.
Looking to expand? Need new equipment? Want to improve cash flow?
A Business Maximizer Loan or Line of Credit from Montecito Bank & Trust could be your answer!