• Low minimum balance
  • Receive Earnings Credits* based on the account balance
  • Earnings Credits may be used to offset charges
  • Smooth account opening process


  • A minimum balance of $0.01 required
  • $0.15 for all transaction items
  • $15 per statement cycle


*Commercial Account Analysis (CAA) is a program designed to recognize the value of account balances by awarding “earnings credits”, which may be used to offset account charges. Monthly account charges will be deducted from any earnings credits accrued. If charges exceed earnings credits, the difference will be deducted from your account each month. If your business has multiple accounts, you may choose to consolidate the accounts’ charges and earnings credits to potentially minimize out of pocket costs.

Business Account Checklist

Be prepared for a smooth account opening process with this list of items.

  • Articles of Organization
  • Notice from IRS of Federal Tax Identification Number
  • Expected level of activities you will run through each account

Needed for anyone who owns 25% or more of the company and on one person who has significant control over the business:

  • Photocopy of valid driver's license
  • Name
  • Address
  • Date of birth
  • Social security number

Needed for all account signers:

  • Photocopy of valid driver's license
  • Name
  • Address
  • Date of Birth
  • Social security Number