Checking & Savings Business Checking

Automatically earn dividends or cash back.

You work hard for your business. Your checking account should, too. That’s why we offer business checking options that earn dividends or cash back, both with maximum convenience and minimal fees, so you can keep more of your hard-earned money. Plus, each account comes with the convenience of multiple payment options, including ACH, Bill Pay and Wire Transfers.

Features & Benefits

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Earn More

It’s true! Your business will earn cash back rewards or dividends with business checking.

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Fewer Fees

The tools you need, all with fewer fees.Please see the chart above, Keep More of Your Money. For a limited time, the $10 fee for Premier Checking is waived. For domestic ACH transactions, a monthly fee is not charged; however, some exclusions may apply. Refer to the fee schedule for complete details. Fees could reduce earnings. Federally insured by the NCUA. Compare us to our competitors below.

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$0 Minimums

None of our Business Checking accounts have minimum balance requirements.

Also Included

24/7 Access

Manage your account anytime with convenient online bill pay and online wiresOnline domestic and international wires upon approval.  using our free and mobile banking.

Easy Deposits

Conveniently deposit checks with your mobile device or scanner without visiting a branch.

Card Defend

Enjoy overdraft protection, text alerts, and fraud protection. Plus, turn your debit card on and off, set spending limits, and receive alerts with Card Defend.

Low Opening Deposit

With just $100, you can get started today!

Business Checking Accounts

Choice Checking

Ideal for businesses that make frequent debit card purchases and have lower paper transactions. Plus, you get unlimited cash back every time you use your debit card.Offer is only valid for business customers with a Business Choice checking account. Offer valid as of 02/01/2021. $0.10 will be earned on every debit card purchase of $5 or more, including PIN, signature and online purchases. All applicable account terms, fees and charges are subject to change. This offer may be modified or withdrawn at any time. Federally insured by NCUA.

  • Earn 10¢ for each transaction of $5 or more.Offer is only valid for business customers with a Business Choice checking account. Offer valid as of 02/01/2021. $0.10 will be earned on every debit card purchase of $5 or more, including PIN, signature and online purchases. All applicable account terms, fees and charges are subject to change. This offer may be modified or withdrawn at any time. Federally insured by NCUA.
  • $0 monthly maintenance fee
  • 100 free paper transactions4
  • Internet bill payment and online wires

Premier Checking

Best for businesses that maintain a higher balance and want to earn a competitive dividend rate.

  • Earn up to 0.25% APYAPY is Annual Percentage Yield and accurate as of 02/01/2021. Offer and rate subject to change. Some exclusions apply. Refer to the fee schedule for complete details. Fees could reduce earnings. Federally insured by NCUA.
  • $10 monthly service waived for a limited time
  • 200 free paper transactionsPaper transactions, such as checks and deposits, will incur $0.50 per additional item fee beyond the free limit.
  • Internet bill payment and online wires

Which Account is Best for You?

It’s a win-win! Earn dividends or get cashback? Generally, lower balances with active card users can earn more with Business Choice Checking, while higher balances will benefit most from Business Premier Checking. To help decide which might be best for your business, here is a comparison:

Average Premier Balance Account or Choice Debit Card Swipes Average Return1,4
Account Type Monthly Yearly
Premier Checking with $50,000 Balance at 0.25% APYPaper transactions, such as checks and deposits, will incur $0.50 per additional item fee beyond the free limit. $10.25 $125.00
Premier Checking with $25,000 Balance at 0.25% APYPaper transactions, such as checks and deposits, will incur $0.50 per additional item fee beyond the free limit. $2.08 $25.00
Premier Checking with $5,000 Balance at 0.25% APYPaper transactions, such as checks and deposits, will incur $0.50 per additional item fee beyond the free limit. $1.04 $12.50
Choice Checking with 50 Debit Card Swipes per Month $5.00 $60.00
Choice Checking with 25 Debit Card Swipes per Month $2.50 $30.00

Keep More of Your Money

Compare our fees with others, and you’ll see we provide the best value for your dollar.

Arkansas FederalCentennial BankFirst SecurityRegions
Domestic Commercial Wire Transfer – Outgoing$10$25$20$25
International Commercial Wire Transfer – Outgoing$30$50$55$45
ACH MonthlyNo Charge$25$22$45
ACH Fee for Credit or Debit$0.15$0.09$0.09$0.26
Remote Deposit Monthly Charge$25$50$64$38

Get started. It's easy!

Have questions or ready to sign up for business checking?
Call us at 800.456.3000 or visit your local branch.