Business Resource Center
Business Checking
Business Resource Center
Business Checking

Low monthly rates and options that make sense for your business.

Your business needs more than a simple checking account. Choose from three types of business checking accounts designed to help you manage your funds and keep your business running smoothly.

Business to Go

Ideal for small businesses on the go.

  • First 250 items free, $0.40 per item thereafter
  • Free online banking*
  • Free mobile banking**
  • $1,500 monthly average balance, if the monthly average balance falls below $1,500, there is a service charge of $6.95
  • eStatements at no charge, paper statements available for $5 a month
  • Business Visa debit card available for $15 per year
  • Bill Pay available at $5.95 per month up to 15 items, $0.40 per item thereafter

*Internet service provider fees may apply
**Carrier message and data rates may apply


Commercial Checking

A more robust service for the mid to large sized business.

  • Unlimited check writing
  • eStatements at no charge
  • Business Visa debit card available for $15 per year
  • No minimum balance required
  • Merchant services and cash management services available
  • $10 monthly service charge
  • $0.15 per transaction item—debit or credit (does not include electronic items)
  • $0.10 per non-SpiritBank item within a deposit
  • An earnings credit rate will be applied to collected balances net of reserves, to help offset bank service fees


Non-Profit Organization

Structured specifically for non-profits.

  • Free Business Visa debit card
  • Unlimited check writing and check imaging available
  • No service charge