Business Checking

Small Business Checking

Features:

  • Ideal for a growing small business, great for maintaining operating and payroll expenses at a low cost

  • Business Visa Check Card available.

  • Online Banking and Bill Pay access available

  • eStatements available

Limitations:

  • Must deposit $100 to open this account

Terms:

  • Must maintain a $2,000 daily balance to avoid $22 monthly service charge

  • Allowed 50 free checks per month

  • Each check over 50 will be assessed a $0.50 fee

Entrepreneurial-25

Features:

  • Ideal for businesses and organizations that are just getting started and have limited monthly activity

  • Business Visa Check Card available.

  • Online Banking and Bill Pay access available

  • eStatements available

Limitations:

  • Must deposit $250 to open this account

Terms:

  • Must maintain a minimum daily balance of $500 to avoid a monthly service charge of $17

  • Allowed 25 free checks per month

  • Each additional check is $0.50

United Blue Commercial Checking

Features:

  • Unlimited check writing

  • No monthly fees

  • Business Visa Check Card available

  • Online Banking and Bill Pay access available

  • eStatements Available

Limitations:

  • Must be a business loan customer

  • Must open account with a minimum of $250

Account Fees:

  • No monthly service fee

United Blue Business Money Market Account

Features:

  • Earn increasing interest rates based on tiered balances

  • Offers the benefit of a savings account with check-writing ability

  • Online Banking access available

  • eStatements available

Limitations:

  • Must deposit $1,000 to open this account

  • Limited to six transfers from account every month, including pre-authorized transfers, automatic transfer, telephone agreement, checks, draft, or debit card transactions(including POS transactions)

  • Transfers and withdrawals made in person or by mail are unlimited

Terms:

  • Must maintain a balance of $1,500 to avoid a monthly service charge of $12

Religious Organization Checking

Features:

  • Ideal for religious organizations interested in no monthly fee accounts

  • Visa Check Card is available

  • Online Banking and Bill Pay access available

  • eStatements available

Limitations:

  • Must deposit $250 to open this account

Account Fees:

  • Allows 100 free checks per month

  • Each additional check is $0.50

Non-Profit Checking

Features:

  • Designed specifically for non-profit organizations

  • Unlimited check-writing ability

  • Online Banking and Bill Pay access available

  • eStatements available

Limitations:

  • Must deposit $250 to open account

  • Proof of not-for-profit status required

Account Fees:

  • No minimum balance required

  • No monthly maintenance charge

United Blue Premium Checking

Features:

  • Unlimited check writing ability

  • Premium interest rate

  • Available to Sole Proprietors, Non-Profit Organizations, Municipalities, or School Districts

  • Begin earning interest with a balance of $2,500

  • Online Banking and Bill Pay access available

  • eStatements available

Limitations:

  • Must deposit $500 to open account

Account Fees:

  • $25 monthly maintenance fee

  • $0.15 per local check deposit

  • $0.20 per foreign check deposited

  • $0.25 per deposit ticket

  • $0.20 per check paid

Interest:

  • Interest Rate and annual percentage yield may change

  • Interest begins accruing on the business day of deposit

  • Interest is compounded daily and credited monthly

Estate Checking

Features:

  • Designed for customers who serve as administrator or executor of a decedent’s estate

  • Online Banking access available

Limitations:

  • Must deposit $500 to open this account

Terms:

  • Must maintain a minimum daily balance of $500 to avoid a monthly service charge of $10

Interest on Lawyers Trust Accounts (IOLTA)

Features:

  • Ideal for law firms or partnerships

  • Account developed to help defray legal costs for low-income individuals

  • Offset monthly fees with earnings credits on the collected balance

Limitations:

  • Interest earned on the account is transferred monthly to the Bar Association

  • Must maintain a minimum balance of $1,500 to obtain the disclosed annual percentage yield

Terms:

  • $25 monthly maintenance fee

  • $0.15 per local check deposit

  • $0.20 per foreign check deposited

  • $0.25 per deposit ticket

  • $0.20 per check paid

Interest:

  • Interest rate determined by the bank

  • Interest rate and annual percentage yield may change

  • Interest begins to accrue on the business day of the deposit

  • Interest is compounded daily and credited monthly