The Account that Works for You
Every business is different. That’s why Plains Commerce Bank offers a variety of business checking solutions; so your corporate checking account can be tailored toward your business's specific needs.
We offer low minimums and fewer fees than most of the big banks. And since we’re a community bank, you may be more likely to secure a business loan when you stop into one of our locations.
Get started with an account today.
No matter which checking account you choose for your business, you'll always get FREE:*
- New Account Starter Pack
- Online Essentials with Bill Pay
- Mobile Banking with Mobile Deposit
- Digital Business Debit Card with contactless access to TAP and GO
|Perks||Minimum Balance to Open||Minimum Monthly Balance|
|Commerce Community Checking||Free deposit tickets, free Online Solutions, free small safe deposit box||$0||$0|
|Business Checking||Three months of waived service charges||$0||$500|
|Commercial Checking||Simple monthly fee||$0||$20,000|
Business Checking Benefits
With Plains Commerce Bank, you'll get more than a business checking account. You’ll have the support of our expert team backed by security, protection, and excellent customer service.
Use convenient online and mobile services to bank from anywhere, anytime. You can monitor your account, manage cash flow, and make payments at your convenience. And with a business ATM checkcard, you’ll receive a chip-enabled debit card for easy access to funds.
We have everything you need for the best small business checking account. Talk to us today about opening your account.
Frequently Asked Questions
Should I choose a local, community bank?
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.
How do business checking accounts vary?
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.
What factors should I consider when choosing a business banking account?
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.
What do the fees mean?
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.
What do I need to open an account?
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.
- Proper government-issued ID (for the owner)
- Employer Identification Number or Social Security Number
- Partnership agreement (if legal documents were drawn up)
- Partnership Employer Identification Number (EIN): if possible, an official IRS document assigning the EIN
- 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
- 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
Commerce Community Checking
Commerce Community Checking is perfect for small businesses and entities that provide home-town commerce and services to our communities.
Our Business Checking is perfect for businesses that have a limited number of transactions.
Commercial Checking is great for larger companies that maintain higher balances with a high number of transactions.
Business Debit Cards
You’ll enjoy a ton of great benefits in addition to saving time and money with our Business Debit Card.