Compare Checking
The right checking account is a foundational piece of your business finances. Explore your options at Bank Independent where you'll always enjoy unlimited support from our Business Banking team.
Get a checking account that gets down to business.
No matter the size and focus of your company, you'll find a Bank Independent checking account that aligns with your business goals. And whichever account you choose, you'll have access to all the digital tools you need to manage money on your time.
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Premier Analysis Business Checking
- Geared toward larger companies
- Supports a high volume of complex transactions
- Earnings credits can offset fees
Business Interest Checking
- Put your balance to work earning interest
- Includes 300 transactions per month at no charge
- Waive $12 monthly service charge in one of three ways
Small Business
- Good for low paper check and cash transaction volumes
- Includes 150 transactions per month at no charge
- Waive $10 monthly service charge in one of three ways
Micro Business Checking
- Designed for start-ups and sole proprietors
- Includes 25 transactions per month at no charge
- No monthly service charge
Non-Profit Checking
- Supports our community's charitable organizations and non-profits
- Includes 300 transactions per month at no charge
- No monthly service charge
Compare Business Checking Accounts
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| Account Description | Premier Analysis | Business Interest | Small Business | Micro Business | Non-Profit |
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| Unlimited Local Business Banking and Branch Support |  |
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| Free Debit Card & BI ATM Access | |
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| Free Online Banking, Mobile Banking & eStatements | |
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| Business Bill Pay Available1 | |
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| Mobile Deposit Available1 | |
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| Paper Statements with Images | FREE | FREE | FREE | $2 Per Month | FREE |
| Interest | Earnings Credit2 | |
N/A | N/A | N/A |
| $5 Overdraft Safety Net3 | |
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| Standard Overdraft Coverage4 | |
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| Items Processed Monthly at No Charge5 | N/A | 300 | 150 | 25 | 300 |
| $100 Minimum Opening Deposit | |
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| Monthly Service Charge | $15 | $12 | $10 | None | None |
| Can I Waive the Service Charge? | Yes* View Details |
Yes* View Details |
Yes*
View Details |
N/A | N/A |
1 Carrier charges may apply.
2 Analysis Charges and Credits: $0.35 per credit $0.18 per debt $0.10 per item deposited An earning credit will be applied to offset or reduce some of the above charges. This credit is calculated based on the average daily collected balance and the previous month’s 13-week U.S. Treasury Bill interest rate (less reserves and costs)
3 An NSF fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.
4 We will charge an NSF/Overdraft fee of $36 for each presentment that overdraws your account. We will not charge more than 6 NSF/Overdraft fees to your account in one business day. An NSF fee is a charge that is assessed when a presentment is returned by the bank due to insufficient funds in the account. An overdraft fee is a charge assessed when a presentment is paid by the bank on an account with insufficient funds. Standard overdraft practices apply when you have authorized us to pay, and we have agreed to pay checks and other transactions causing an overdraft through automatic bill payment and for checks and other transactions made using your account number. Whether your overdraft item will be paid is discretionary and we reserve the right not to pay. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 45 days of an overdraft. If an overdraft is not paid in full within this period, your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts. (Schedule of fees)
5 An additional charge will apply to process more than the listed number of items.
Enrollment in Merchant Services, OR $10,000 minimum Business Interest Checking account balance, OR $50,000 combined deposit and loan balances6 at Bank Independent.
Enrollment in Merchant Services, OR $10,000 minimum Business Interest Checking account balance, OR $50,000 combined deposit and loan balances6 at Bank Independent.
Enrollment in Merchant Services, OR $5,000 minimum Small Business Checking account balance, OR $25,000 combined deposit and loan balances6 at Bank Independent.
6 The combined balance is calculated by adding the lowest daily balance that occurred in each of your deposit and loan accounts during your statement cycle.