Compare Business Checking Accounts

Compare Business Checking Accounts
Accounts	Flexible Checking Less Can Be Much More Learn More	Small Business Checking Enhanced Control / Fast and Easy Access Learn More	Enterprise Checking Earn the Interest You Deserve Learn More	Analysis Checking Nothing Less Than the Best Learn More	Merchant Checking Quick & Easy Learn More
Best for...	Start-ups / businesses who want to keep their banking simple, convenient, and secure.	Growing businesses that maintain lower average balances with moderate transactional needs, who seek to enjoy the benefits of linked accounts.	Larger businesses with higher balances, more complex banking needs, seeking to make the most of their cash flow.	Large businesses with sophisticated and demanding banking needs, seeking highly personalized attention and the best rates available.	Small Business Owners who also have a Merchant Services account.
With Average Daily Balance of:	$ 5,000 or less	$ 5,001–$ 10,000	$ 10,001–$ 20,000	Call Your Alma Bank Representative for details	Call Your Alma Bank Representative for details
Because...	Limited transactions mean lower fees. Convenient access to your money via ATM, debit MasterCard, online / mobile banking.	Linked accounts mean lower fees and higher interest rates. Enhanced control and fast / easy access to funds.	Higher transactional limits, linked accounts with higher balances eliminate fees, earn higher interest rates, and optimize cash flow.	Linking multiple commercial checking accounts to generate earnings credits that offset fees for financial instruments utilized through the bank.	Better pricing is offered for Merchant Services when a business/merchant checking account is opened and the funds are deposited into an Alma Bank checking account.
Transaction Limits*	150 transactions per month	300 transactions per month	500 transactions per month	Unlimited Transactions	150 transactions per month
Features	24-hour Telephone Banking	24-hour Telephone Banking	24-hour Telephone Banking	24-hour Telephone Banking	Call Your Alma Bank Representative for details
		Remote Deposit Capture available	Remote Deposit Capture available	Remote Deposit Capture available	n/a
		ALMA Cash Management Services available	ALMA Cash Management Services available	ALMA Cash Management Services available	n/a
	Unlimited Free Bill-Pay Transactions per month	Unlimited Free Bill-Pay Transactions per month	Unlimited Free Bill-Pay Transactions per month	25 Free Bill-Pay Transactions per month	Unlimited Free Bill-Pay Transactions per month
	Online Banking with Bill Pay	Online Banking with Bill Pay	Online Banking with Bill Pay	Online Banking with Bill Pay	Call Your Alma Bank Representative for details
	Mobile Banking with Bill Pay and ALMA Mobile App	Mobile Banking with Bill Pay and Alma Mobile App	Mobile Banking with Bill Pay and ALMA Mobile App	Mobile Banking with Bill Pay and Alma Mobile App	Call Your Alma Bank Representative for details
	ALMA Business Debit MasterCard with access to over 55,000 surcharge-free ATMs worldwide.	ALMA Business Debit MasterCard with access to over 55,000 surcharge-free ATMs worldwide.	ALMA Business Debit MasterCard with access to over 55,000 surcharge-free ATMs worldwide.	ALMA Business Debit MasterCard with access to over 55,000 surcharge-free ATMs worldwide.	ALMA Business Debit MasterCard with access to over 55,000 surcharge-free ATMs worldwide.
	E-Statements, check images	E-Statements, check images	E-Statements, check images	E-Statements, check images	Call Your Alma Bank Representative for details
Minimum to Open	$100	$100	$100		$100
Combined Relationship to Waive Maintenance Fee	n/a	$100,000	$1,000,000	n/a	n/a
Average Daily Balance to Waive Maintenance Fee**	n/a	$5,000	$10,000	n/a	n/a
Combined Accounts Available	n/a	Checking / Savings / Money Market / Certificates of Depost / Lines of Credit	Checking / Savings / Money Market / Certificates of Depost / Lines of Credit	Checking / Savings / Money Market / Certificates of Depost / Lines of Credit	n/a

* Excess Transaction Fee may apply to Business Savings, Enterprise Savings and Business Money Market accounts if the permitted pre-authorized debits exceed the limits allowed by law.

** The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.

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