Compare Business Checking Accounts

Compare Business Checking Accounts
Accounts
Flexible
Checking
Less Can Be Much More
Small Business
Checking
Enhanced Control / Fast and Easy Access
Enterprise
Checking
Earn the Interest You Deserve
Analysis
Checking
Nothing Less Than the Best
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.
With Average Daily Balance of: $ 5,000 or less $ 5,001–$ 10,000 $ 10,001–$ 20,000 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 checking and savings accounts gives you "earnings credits" to offset service fees* with sweep / zero-balance features to avoid holding idle cash.
Transaction Limits* 150 transactions per month 300 transactions per month 500 transactions per month Unlimited Transactions
Features 24-hour Telephone Banking 24-hour Telephone Banking 24-hour Telephone Banking 24-hour Telephone Banking
  Remote Deposit Capture available Remote Deposit Capture available Remote Deposit Capture available
  ALMA Cash Management Services available ALMA Cash Management Services available ALMA Cash Management Services available
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
Online Banking with Bill Pay Online Banking with Bill Pay Online Banking with Bill Pay Online Banking with Bill Pay
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
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
Minimum to Open $100 $100 $100  
Combined Relationship to Waive Maintenance Fee n/a $100,000 $1,000,000 n/a
Average Daily Balance to Waive Maintenance Fee** n/a $5,000 $10,000 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

* 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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