Business checking accounts
Our simple business checking accounts help make running your business a little easier — whether you’re just getting started or managing day‑to‑day operations. When you open a new account, you’ll receive a thank you gift.1
Business checking account options
Designed to support businesses of different sizes and needs.
Simply Better Business Checking
Perfect for most small businesses.
- No minimum balance
- No monthly service fee
- 1,000 FREE monthly transaction items2
- Up to $10,000 currency deposited per month free3
Business Interest Checking
Perfect for sole-proprietorships and not-for-profit organizations.
- Competitive interest rate
- 1,000 FREE monthly transaction items2
- Only $1,500 minimum balance to avoid a low monthly fee of $6
- Up to $10,000 currency deposited per month free3
Commercial Checking
For businesses with more complex banking and transaction needs.
- Earnings credit allowance on deposit balances may offset activity fees
- Only $15 monthly service fee
- Transaction items are just 12¢ each
- Coin and currency deposits just 50¢ per $1,000
We also offer these business services
All business accounts include
All business checking accounts include tools to help you manage your money securely and conveniently.
We can help you select the right account
With a few simple questions, we’ll help you find the business checking option that best fits your needs. Not sure where to start? This short tool can point you in the right direction.
Where are you and your money headed?
We'll help you get where you want to go.
We'll give you the tools you need to develop a meaningful relationship with your hard earned dollars. We're here to help you take care of what you earn – and do more with it.
Our team never (ever) makes a commission. We're encouraged to take our time to get to know you, and given the freedom to find answers for your specific situation.
As a mutual bank, our sole focus is serving you. We're owned by you - our customers – rather than stockholders. That means we choose people over profits, and will only sell you products and services you actually want and need.
Our culture is built on caring – for our customers, our employees, and our community. We give generously, we volunteer generously, and we make an impact.
Your success is how we measure ours. Let's get there together.
Save up to $240 a year at Think Bank!
Compare our Simply Better Business Checking account with other popular options.
| COMPARE: | Think Bank | Wells Fargo | US Bank |
|---|---|---|---|
| Simply Better Business Checking | Initiate Business Checking | Gold Business Package | |
| Monthly service fee | $0 | $15 | $20 |
| Requirements to avoid monthly fee | NONE | $2,000 Minimum Daily Balance or $5,000 Average Collected Balance | $10,000 Average Collected Balance |
| Monthly item or transaction | 1000 | $0.50 each over 100 | $0.45 each over 350 |
| Annual service fee if requirements not met | $0 | $180 | $240 |
Competitive information was obtained directly from financial institutions' websites during the week of 3/9/2026. Some institutions may allow other ways to waive the monthly service fee. Costs above assume the customer does not meet the balance requirements.
Open an account today
Visit a Think Bank branch or start your business checking account online. You can also call us at 1‑800‑288‑3425—we’re happy to help you get started.
To assist in opening your account we may request
Sole Proprietorships
- Your full legal name
Limited Liability Companies (LLC)
- Articles of Organization
Unincorporated Lodges, Associations, or other entities:
- By-laws (if applicable)
- Meeting minutes (if applicable)
Corporations
- Articles of Incorporation filed with the state
Partnerships & Limited Liability Partnerships (LLPs)
- Partnership Agreement
- Statement of Qualifications file with State Filing Office
1 We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099. Free gift provided at the time of account opening.
2 Transaction items include all debits and credits. If the Simply Better Business or Business Interest account exceeds 1,000 free monthly transactions, the account may be converted to another checking product.
3 Includes coin and currency. If the Simply Better Business or Business Interest account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product.
Other fees such as non-sufficient funds, overdrafts, sustained overdraft fees, bill pay fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask for details.