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Business Checking Accounts
Central Bank and Trust Co. offers an array of commercial checking accounts to meet your business needs.
| THE PROPRIETOR ACCOUNT | CENTRAL STANDARD CHECKING | CENTRAL SMALL BIZ CHECKING | |
| Minimum Opening Deposit | $100 | $100 | $100 |
| Balance Requirement | None | None | $300 daily balance |
| Monthly Maintenance Fee | $5 | $6 | $5 monthly maintenance fee if daily balance falls below $300 |
| Per Debit Fee | $.20 per debit over 20 per month | $.15 per debit | $.25 per debit over 50 per month |
| Per Credit Fee | None | $.15 per credit | None |
| Per Foreign Item Fee | $.20 per deposited item over 40 per month | $.08 per deposited item | $.20 per deposited item over 50 per month. |
| Imaged Statements | Yes | Yes | E-statements required or $4 paper statement fee |
| Interest | None | None | None |
| Earnings Credit | None | Per $100 average collected balance utilizing the monthly average of the 91 day Treasury Bill | None |
| Ideal User | Small Business; Non-Profit Clubs, Small Activity Accounts | Active Businesses or Businesses with large balances | Small Business; Non-Profit Clubs, Small Activity Accounts |
| Additional Benefit | Free Basic Business Online Banking. Free Business Debit Card (upon approval) |
The Proprietor Account
The Proprietor Account is designed for commercial customers just getting started, non-profit clubs, or small activity accounts.
- Minimum opening deposit of $100
- No balance requirements after initial opening deposit
- $5 monthly maintenance fee
- $0.20 per debit charge over 20 per month
- $0.20 per foreign item deposited over 40 per month
- Imaged statements
Account Terms and Conditions
Fee Schedule
Funds Availability Disclosure
Central Standard Checking is for active businesses or businesses with large balances to offset fees. An earnings credit (per $100 average collected balance) based on the monthly average of the 91-day Treasury Bill is credited against the account charges.
- Minimum opening deposit of $100
- No balance requirements after initial opening deposit
- $6 monthly maintenance fee
- $0.15 charge for each debit on the account
- $0.15 charge for each credit on the account
- $0.08 charge on foreign items deposited
- Imaged statements
- Earnings credit per $100 average collected balance utilizing the monthly average of the 91-day Treasury Bill
Account Terms and Conditions
Fee Schedule
Funds Availability Disclosure
Central Small Biz Checking is ideal for small business owners that can maintain a $300 daily balance and want access to view their transactions online.
- Minimum opening deposit of $100
- $300 minimum daily balance
- $5 monthly maintenance fee if daily balance falls below $300.
- $0.25 per debit charge over 50 per month
- $0.20 per foreign item deposited over 50 per month
- E-Statements required or $4 paper statement fee
- Free Basic Business Online Banking
- Free Business Debit Card (upon approval)
Account Terms and Conditions
Fee Schedule
Funds Availability Disclosure
