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Business Checking Account
Find the right checking account for your business
We understand that each of our customers should have options to meet their business needs. That’s why we offer a variety of checking account options so that you can find the perfect account to match your needs.
![Businessman working on laptop at a bar](https://thesouthern.bank/wp-content/uploads/2022/03/Essential-Business-Checking-902810228-620x380.jpg)
Essential Business Checking
Designed for small businesses and nonprofits with low monthly account activity.
- Only $100 minimum opening deposit.
- Avoid a $10 monthly maintenance fee by maintaining a $500 minimum daily balance.
- 250 free transactions per statement cycle, including credits, withdrawals, electronic debits, checks and deposited items. If more than 250, a $0.45 fee per additional transaction is assessed.
- Free Online Banking
- Free Mobile Banking with Mobile Deposit
- Free Text Banking
- Free Debit Card
- Free Telephone Banking
- Free Check Images with Monthly Statement (Fronts of debits)
![Businessman on tablet](https://thesouthern.bank/wp-content/uploads/2022/03/Business-Interest-Checking-150684239-620x380.jpg)
Business Interest Checking
Designed for businesses with low monthly account activity that want to earn interest on collected balances.
- Only $100 minimum opening deposit.
- Avoid a $15 monthly maintenance fee by maintaining a $2,500 minimum daily balance.
- 250 free transactions per statement cycle, including credits, withdrawals, electronic debits, checks and deposited items. If more than 250, a $0.45 fee per additional transaction is assessed.
- Competitive rate of interest paid; interest is compounded and credited monthly.
- Variable interest rate (rate may change at any time).
- Free Online Banking
- Free Mobile Banking with Mobile Deposit
- Free Text Banking
- Free Debit Card
- Free Telephone Banking
- Free Check Images with Monthly Statement (Fronts of debits)
![Businesswoman looking at laptop in office](https://thesouthern.bank/wp-content/uploads/2022/03/Commercial-Checking-167890561-620x380.jpg)
Commercial Checking
Designed for businesses with high monthly activity that want to offset fees with an earnings allowance.
- Only $100 minimum opening deposit.
- $15 monthly maintenance fee.
- Transaction fees; $0.40 for each credit, $0.19 for each debit and $0.12 for each deposited item.
- Earnings allowance can reduce or eliminate monthly service and transaction fees.
- Free Online Banking
- Free Mobile Banking with Mobile Deposit
- Free Text Banking
- Free Debit Card
- Free Telephone Banking
- Free Check Images with Monthly Statement (Fronts of debits)
Additional Services
- Free Basic Online Banking
- Free Mobile Banking
- Free Debit Card
- Free Check Images included with monthly Statement (Fronts Only)
- Free Night Drop
- Customer pays for checks/deposit slips
Here to Help You Succeed
![Man utilizing online banking](https://thesouthern.bank/wp-content/uploads/2021/12/GettyImages-1250949597-scaled-e1663857506552.jpg)