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With a small opening deposit, our Commercial Checking Account is designed for businesses that intend to grow. Get all the digital features you need and have as many transactions as you like at no additional cost.
What It Offers
$100 Minimum Opening Deposit: This makes it easy to open your first business banking account and start a new one.
Non-Interest Bearing: That’s why it’s so affordable.
$15 Monthly Service Charge: A flat rate that’s one of the lowest commercial checking fees available, no matter how many transactions you have.
Analysis Charges Offset with Competitive Earnings Credit (ECR): Earn credits through your account balances that can be used to offset service fees.
The Convenience of Digital and Mobile Banking
Commercial and business banking whenever and wherever you need it:
Online Banking with Bill Pay: Manage your funds online and make and schedule payments as needed.
Mobile Banking: Manage your account through a free banking app wherever you have a wireless connection.
Debit Card: To make business purchases and withdraw funds as needed.
Financial Solutions for Every Business
We’re more than just a bank; we’re a business partner:
Merchant Services: Lets your business accept credit cards, debit cards, and electronic payments (subject to approval, with applicable fees).
Credit Card: Every business needs short-term credit and the convenience of a credit card (subject to approval, with applicable fees).
Cash Management Solutions: Tailored options to help you optimize your cash flow (subject to approval, with applicable fees).
Open a Business Commercial Checking Account Today
Our Commercial Checking Account makes it easy and affordable for small business owners to get the banking services they need. Visit a Marion Community Bank branch and discover how our tailored solutions can propel your business forward.
Frequently Asked Questions
What is a Commercial Checking account, and how is it different from a standard business checking account?
A Commercial Checking account is designed for businesses that process a high volume of transactions and require scalable banking solutions. Unlike basic business checking, this account offers unlimited transactions with no per-item fees and includes an Earnings Credit Rate (ECR) to help offset service fees.
What is an Earnings Credit Rate (ECR), and how does it work?
The Earnings Credit Rate (ECR) is a feature that allows businesses to earn credits based on their account balances, which can be used to offset service fees. The higher your balance, the more credits you earn, reducing the overall cost of banking services.
How do I qualify for merchant services, and what types of payments can I accept?
Merchant Services are available for approved businesses and allow you to accept:
- Credit and debit card payments
- Contactless payments (e.g., Apple Pay, Google Pay)
- Electronic checks and ACH payments
Can I integrate my Commercial Checking account with accounting software?
Yes. This account is compatible with popular accounting software like QuickBooks, allowing for seamless transaction tracking and financial reporting.
Take Control of Your Cash Flow
Efficient payment processing is just the beginning. Explore our Cash Management Solutions to better move, manage, and optimize your business funds.