Smart Business Checking

We don’t think managing your business’s finances should be difficult. You’ve got enough on your plate as it is. With our Smart Business Checking account, we make it safe, secure, and simple.

Account Details: 

  • Minimum Opening Balance of $50
  • 100 Free debit/credit transactions conducted in-person or by phone per month
  • E-Statements Required1
  • Free Online Banking and Bill Pay
  • Free Mastercard® Business Debit Card (click here for debit card application)
  • Free ATM Transactions2
  • Free 24-Hour Phone Plus
  • Free Coin Counting (available at most locations)
  • Free Notary Service
How much it costs:
  • Each transaction conducted in-person or by telephone over 100 will be assessed a fee of $0.20.
  • If the balance falls below $1500.00 on any day in the statement cycle, the account is subject to a $10.00 service charge.


Paper Statements available for $5.00 a month.

2Surcharge-free ATMs when using Guaranty Bank & Trust, N.A. ATMs or an ATM in the Allpoint network. Find one near you at .