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Open a business checking account with SBIC and enjoy features that help streamline your cash flow and support your growth. Plus, get reimbursed for out-of-network ATM fees—because your convenience matters to us.
Finding the right business checking account for your small business is essential to managing your cash flow and achieving financial goals.
Ideal for businesses with minimal transactions and basic internet banking needs.
Monthly Service Fee: $18 (waived with an average monthly balance of $1,500).
Includes 25 free transactions; $0.45 per transaction over the limit.
Perfect for new businesses with low transaction activity.
Monthly Service Fee: $18 (waived with an average monthly balance of $1,500).
Includes 200 free transactions; $0.45 per transaction over the limit.
Designed for businesses requiring higher transaction allowances and added fraud protection.
Monthly Service Fee: $40 (waived with an average monthly balance of $25,000).
Includes 400 free transactions; $0.45 per transaction over the limit.
Best for businesses handling high transaction volumes.
Monthly Service Fee: $90 (waived with an average monthly balance of $75,000).
Includes 500 free transactions; $0.45 per transaction over the limit.
For businesses looking to earn interest while staying liquid.
Interest Rate: 0.15%.
Monthly Service Fee: $20 (waived with an average monthly balance of $15,000).
Includes 50 free transactions; $0.45 per transaction over the limit.
Specialty account for attorneys and law firms with interest-earning requirements.
Features unlimited transactions and no monthly service fee.
Start today—open a business checking account with SBIC to enjoy these robust features and benefits that support your business growth!
| Account Type | Ideal For | Interest Earning | Minimum Initial Deposit | Monthly Service Fee | Balance to Waive Fee | Free Transactions (Per Month) | Additional Accounts |
|---|---|---|---|---|---|---|---|
| Basic Business Checking | Minimal transactions with basic internet banking needs | N/A | $100 | $18 | $1,500 | 25 free; $0.45 per transaction over 25 | Available |
| Simple Business Checking | New businesses with low transaction volume | N/A | $100 | $15 | $5,000 | 200 free; $0.45 per transaction over 200 | Available |
| Elite Business Checking | Greater transaction needs with fraud protection | N/A | $100 | $40 | $25,000 | 400 free; $0.45 per transaction over 400 | Available |
| Ultimate Business Checking | High-volume transaction businesses | N/A | $100 | $90 | $75,000 | 500 free; $0.45 per transaction over 500 | Available |
| Analysis Business Checking | High-end treasury and volume business clients | N/A | $500 | See Fee Schedule | See Fee Schedule | See Fee Schedule | Available |
| Interest Business Checking | Low transaction volume with interest earnings | 0.15% | $2,500 | $20 | $15,000 | 50 free; $0.45 per transaction over 50 | Available |
| Attorney Client Trust Checking | Attorneys and law firms with interest-earning needs | 3.74% | $100 | $0 | N/A | Unlimited | Available |
Explore the best business checking accounts and open your business checking account online with SBIC today!
Opening a small business checking account with SBIC is simple and hassle-free. Follow these quick steps to get started today:
Choose the Right Account: Choose from our tailored business checking accounts to find the one that best suits your business needs.
These rewards are meant to help your business thrive while giving you more value with every transaction. Explore our business checking accounts and start saving today!
These rewards are meant to help your business thrive while giving you more value with every transaction. Explore our business checking accounts and start saving today!
Explore SBIC’s comprehensive range of banking solutions, including business checking accounts, savings accounts, loans, and remittance services. Manage your finances effortlessly with options like online business checking accounts tailored to your needs.
Opening my business checking account was a breeze. The user-friendly platform and helpful staff made the process smooth and efficient.
Opening my business checking account was a breeze. The user-friendly platform and helpful staff made the process smooth and efficient.
SBIC’s small business checking account was exactly what my startup needed. The quick application process and amazing customer support made it easy to get started!
SBIC’s small business checking account was exactly what my startup needed. The quick application process and amazing customer support made it easy to get started!
Opening my business checking account was a breeze. The user-friendly platform and helpful staff made the process smooth and efficient.
Opening my business checking account was a breeze. The user-friendly platform and helpful staff made the process smooth and efficient.
SBIC’s small business checking account was exactly what my startup needed. The quick application process and amazing customer support made it easy to get started!
SBIC’s small business checking account was exactly what my startup needed. The quick application process and amazing customer support made it easy to get started!
You’ll need the following:
The minimum initial deposit varies based on the type of business checking account you choose:
For more details, explore our business checking account offers to find the right fit for your business needs.
SBIC offers promotions, including waived fees and cashback for new account holders.
SBIC reimburses out-of-network ATM fees for eligible accounts.
Yes, all SBIC customers can open a business checking account and access it online through our secure Business Online Banking platform. Manage your funds, monitor transactions, and utilize our convenient tools anytime, anywhere!
Yes, SBIC allows businesses to open multiple accounts under a single EIN.
Yes, you can send secure domestic and international wire transfers directly from your account.
Yes, but additional documentation and residency requirements may apply.
Yes, our Interest Business Checking offers a rate of 0.15% for accounts with a minimum balance of $15,000.
Yes, our accounts integrate seamlessly with popular accounting platforms like QuickBooks and Xero.
Use the branch locator tool on our website to find the nearest SBIC location.
You can switch to a more advanced account type by contacting our support team.
Visit your local branch or contact customer support to close your account securely.
Each business checking account offers a specific number of free transactions:
Explore the best business checking account options to determine which suits your transaction needs.
SBIC utilizes industry-standard encryption and multi-factor authentication to safeguard your data and transactions.
Deposit limits vary by account type; please refer to our Mobile Banking FAQ for details.
Yes, the Attorney Client Trust Checking account is specifically designed for attorneys, offering unlimited transactions and no service fee.
SBIC provides flexible overdraft protection options, including linking to savings accounts and overdraft credit lines.
Each additional transaction incurs a fee of $0.45.
A service fee will apply, which varies by account type.
Locate an SBIC branch near you to experience personalized banking services. From opening a business checking account to in-person support, we’re here to assist you.
Access links to services, policies, and support. Open your business checking account and bank with ease today!
1 Reimbursements vary based on account type. Please see applicable Account Agreements for specific reimbursement terms.
2 Interest rates are variable and may change as often as daily without notice. Interest is calculated on the daily collected balance, compounded daily, and credited monthly. Interest begins to accrue on the first business day the Bank receives credit for the deposit of non-cash items (e.g., checks). For current rates, please visit the Deposit Rates page, call us at 1-877-707-1995, or visit your preferred local branch.
3 Interest is paid to State Bar. Please consult with one of our Business Banking Representative for more details.
4 Transaction fees cannot be waived by maintaining the required minimum balance. For additional transaction fees that may apply, please see the Business Banking Schedule of Fees and Charges.
5 Additional fees/charges may apply. Please see details listed in applicable Account Agreements and the Business Banking Schedule of Fees and Charges.
6 Please consult with one of our Business Banking Representative for more details.
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