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 and qualifying non-profits with limited transaction activity, Performance Business Checking earns interest. 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 loan4, 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.
- Credit cards are not applicable.
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 limited commercial services needs who want the predictability of banking expenses.
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 predictability in their monthly expenses | For businesses using certain Treasury Management Services and with higher than average volumes and collected balances. | A high-yielding deposit account, combined with the corporate analysis. 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 Rates2 |
Included Features |
| A la carte services available. See Commercial Services Price List for more details. | A la carte services available. See Commercial Services Price List for more details. |
Monthly Base Fee In Service Charge | $20.004 (bundled package offer) | $12.004 | $12.004 |
Other Fees |
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Charges Offset by Earnings Allowance | N/A | 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. |
Services Added for an Additional Charge | See Small Business Price List for a comprehensive listing of available services and fees that apply. Examples:
| See Commercial Services Price List for a comprehensive listing of available services and fees that apply. Examples:
| See Commercial Services Price List for a comprehensive listing of available services and fees that apply. Examples:
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- Please refer to current rate sheet.
- Interest is paid on all collected balances and compounded monthly, and the rate paid is determined by the tier.
- Service cancellation within the first 2 years will result in an early cancellation fee of $250.
- 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. Charges can be offset with earnings allowance established by the bank and calculated on collected balances. Please refer to the list of Business Banking Account Services Fees and Charges, the Small Business Price list and the Commercial Services Price List for additional fees which may apply to these accounts.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. Charges can be offset with earnings allowance established by the bank and calculated on collected balances. Please refer to the list of Business Banking Account Services Fees and Charges, the Small Business Price list and the Commercial Services Price List for additional fees which may apply to these accounts.
*Credit approval required.