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Business Checking

With a business checking account from SmartBank you don’t have to choose between value and convenience, we give you both! We strive to make sure your hard earned money goes to your business, not your bank.

Find Out Which Checking Account Is Right For You!

SmartCommercial Checking

For businesses with more complex banking needs.

  • Earnings credit allowance on deposit balances may offset activity fees
  • Only $20 monthly service fee
  • Transaction items disclosed according to fee schedule
  • Coin and currency deposits are just $1 per $1,000
  • Free e-statements
  • Paper statements available for a fee of $5.00 per month
SmartInterest Business Checking

Perfect for qualifying sole proprietorships & not-for-profit organizations.

  • Competitive interest
  • 100 FREE monthly transaction items*
  • Only $1,500 minimum balance to avoid a low monthly service fee of $5
  • Up to $10,000 cash deposited per month FREE^
  • Free e-statements or paper statements
SmartFree Business Checking

Perfect for most businesses!

  • No minimum balance
  • No monthly service fee
  • 100 FREE monthly transaction items*
  • Up to $10,000 cash deposited per month FREE^
  • Free e-statements
  • Paper statements available for a fee of $5.00 per month

Every New Business Checking Account Includes:

Free debit card
Online banking and bill pay
Free mobile banking
Buy Back of your old checks and debit card from another financial institution**
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Free e-Statements with online check images
Buy Back of your old checks and debit card from another financial institution**
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Free e-Statements with online check images

*Transaction items include all debits and credits. If a SmartFree Business Checking account exceeds 100 free monthly transactions, the account may be converted to another checking product.
^Includes coin and currency. If a SmartFree Business Checking account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.
**$10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.
Minimum opening deposit is only $50.
^Monthly e-Statements are available for FREE through online banking. Access to online banking is FREE. A fee of $5.00 per month may apply if a customer chooses to receive paper statements through the mail.

Need to reorder checks? Not a problem!

Stop by a SmartBank branch or place an order from your online banking account.

Many companies are required to report Beneficial Ownership Information to FinCEN about the individuals who ultimately own or control them. FinCEN began accepting reports on January 1, 2024. For more information go to https://www.fincen.gov/boi