Business Checking Accounts

Get a business account that works for you

At the core of your business banking services is your checking account. Choose the right account for you, and add a variety of options to keep things running smoothly.

Compare All

 

Account Minimum opening deposit Interest Business Banking Online & mobile app access Debit card # of free transaction items/statement cycle¹ Bill Pay included² ACH included² Desktop Teller included² Cost

Simply Free Business

A free account with no minimum balance requirements

$50 N/A 75³ N/A N/A N/A Free (e-Statements are required)

Basic Business

A low-cost account designed with the small business in mind

$50

for eligible organizations

250 N/A N/A N/A $12/month (can be waived with a $500 minimum daily balance)

Business Builder

Gain the efficiencies of electronic services for one monthly fee

$50 N/A

500

(also consider Business Analysis Checking)

✓⁴

$50/month with e-Statements

(for paper statements, add $5/month)

 

¹Transactions include deposited items, withdrawals, electronic debits, and checks.

²Some product activity fees may apply.

³If your transactions go over 75, we may convert you to another account type.

⁴Designed for ACH origination activity of less than 20 payments and total dollars less than $50,000 per pay period.

Business Analysis Checking

An account built to handle the complexities of business

A Business Analysis account is designed for businesses with large numbers of monthly transactions. There is a $15 monthly maintenance fee and per-item activity fees, although checking activity and service fees are offset by earnings credits based on short-term market rates applied to your average available balance (less reserve requirements*). Negative available balances are assessed a fee based upon the bank’s current lending rates. Contact our team to assess if a Business Analysis checking account is right for your business.

What you’ll need to open a business checking account

Business formation documents

Articles of Incorporation, Articles or Certification of Organization, Articles or Certification of Partnership, etc.

Authorized individuals

Account signers, guarantors, or other authorized individuals must provide their name, position, Social Security number, personal address, date of birth, and government-issued ID.

Trade name and TIN

If your business operates under a different name than your legal business name, please bring the documentation you have filed with the Secretary of State’s office and your Business Tax Identification Number (TIN) or Employer Identification Number (EIN).

Beneficial owners form

Federal regulation requires us to obtain, verify, and record information about the beneficial owners of corporations, limited liability companies, partnerships, and similar businesses formed in the United States.

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Visa Business Debit Card

Convenient access to your funds

Managing your business checking account is easy with the Visa® Business debit card. It gives you (or designated employees) the flexibility to purchase, deposit, withdraw, transfer funds, and check balances.

Business Banking Online

Your business, at your fingertips

For most business owners, there are no standard business hours. So wherever your day takes you, manage your business accounts when it works for you on your computer or on a mobile device.

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Stop By a Branch

We’re always glad to see you!

It might have been a while since you last stopped by one of our branches, so we’d like to take the opportunity to personally welcome you back. At UBT, we have numerous locations conveniently located to make it easy to stop by and get help from a friendly face. Click below to find a branch near you!

Treasury Management Services

At UBT, your money has people

Before we recommend any products or services, a treasury management expert — like Jan — will ask questions and take the time to listen to your needs and goals. Then, we’ll offer the right mix of services to get you there, backed by service you’ll only get from a family-owned bank.

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Frequently Asked Questions

Can I have multiple BBO users within my organization with different levels of access?

Yes. You can allow users our “Standard Access”, which includes transfers, stop payment capabilities, and mobile deposit, or a “View Only” option.

Are there fees with Business Analysis Checking?

The fees associated with a Business Analysis Checking account include a monthly maintenance fee as well as checking activity charges for debits and credits.  

Basic Fees Include:

Maintenance Fee - $15 monthly fee.
Balance MGT fee - Calculated based on average positive account balance that is maintained.
Electronic Debits - $0.15 per item.
Electronic Credits - $0.20 per item.
Deposited Items - $0.10 per item.
Regular credits - $0.27 per item.
Return check items - $7.00 per item.
Paid check off of account - $0.17 per item.

Other fees may apply depending on additional products & services that may be utilized.
Contact a Treasury Management Services representative for complete details.

Can I earn interest on my Basic Business Checking account?

Yes, interest may be available on Basic Business Checking with Interest for eligible organizations.

Are there any business overdraft protection options?

Yes. Typically, a line of credit is an effective form of overdraft protection for businesses. Visit with a Treasury Management Officer (402-323-1557) for more details.

Is a Business Debit Card available with Basic Business Checking?

Yes, a business debit card is available and encouraged for all business checking accounts.  There is no annual or transactions fees and the purchase detail appears on your checking statement.

Are there transaction limits for Basic Business?

Each Basic Business and Basic Business with Interest account includes 250 free transactions per statement cycle. These transactions include deposited items, withdrawals, electronic debits and checks. If there are more than 250 transactions, a nominal transaction fee is assessed. 

Need More Help?

Contact an expert near you

*Federal law requires that a percentage of all funds on deposit must be held in reserve. This amount is deducted from the average positive available balance before the earnings credit is determined.

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