Business Checking

Community banks offer personalized service from bankers who know you well. Partnering with a local bank ensures that your banker will not only know your business, but also the local market. 

Community banks give back to the people and economies that they're part of. It's a win-win for everyone.

Unlike other banks, Plains Commerce has no cash deposit limits and no analysis fees. Use your money, your way, and never have to worry about being charged for it.

Choosing what works for you and your business depends on many factors. First, consider how to minimize expenses. Consider other available services that work with business checking, such as Automated Clearing House (ACH) and remote deposit capture. Then, see if you can earn interest on your business accounts and really put your money to work for you.

When you choose a business banking partner, you'll want to ask about the fees. Here are some to watch:

• Monthly service fee: a charge that occurs every month the account is open. We waive the monthly service charge if you meet the minimum balance on your account.
• Excess transaction fee: a fee for each transaction made over a monthly maximum. Most banks will charge you for this.
• Chargeback fee: when fraudulent charges are made on a customer's credit card, banks can hold your business responsible for refunding the fee.
• Cash handling fee: many banks set deposit amounts. Once you've met that limit, you'll be charged a fee to process additional deposits. None of our accounts are subject to this.

Download our application for details on opening a business account. You'll also need to bring a few items with you, depending on your type of business.

Sole Proprietorship

• Proper government-issued ID (for the owner)
• Employer Identification Number or Social Security Number

General Partnership

• Partnership agreement (if legal documents were drawn up)
• Partnership Employer Identification Number (EIN): if possible, an official IRS document assigning the EIN

Limited Partnership

• Certificate of Limited Partnership
• Limited Partnership Employer Identification Number (EIN): If possible, an official IRS document assigning the EIN

Limited Liability Partnership

• Partnership Agreement
• Limited Liability Partnership Employer Identification Number (EIN): If possible, an official IRS document assigning the EIN

Limited Liability Company

• Certificate of Organization
• Operating Agreement: Defines day-to-day operation of the entity
• LLC Employer Identification Number (EIN): If possible, an official IRS document assigning the EIN

Corporation

• Articles of Incorporation
• Board Meeting Minutes: Naming corporate officers
• Corporation Employer Identification Number: If possible, an official IRS document assigning the EIN

Non-Profit Organization or Association

• Meeting minutes, constitutions, by-laws, chargers, or similar documents: Describes the authority of members or officers to bind the organization and all of its members and outlines the purpose of the organization
• Employer Identification Number: If possible an official IRS document assigning the EIN