How’s business? It’s easier with the right financial tools. At VCB, we want to help your business run smoothly and profitably, so we’ve designed our checking accounts to complement the needs of different businesses.
View a complete list of our consistently high Deposit Rates.
| Free Business Checking1 | Small Business Checking2 | Business Interest Checking3 | Premier Interest Checking3 | Business Analysis Checking | |
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| Account Overview | A simple, cost-effective solution for small business owners with 500 FREE items monthly. Learn more. |
Write up to 100 checks and deposit up to 200 checks monthly for FREE — this account is a great fit for start-ups or smaller businesses. | This interest-bearing account available to all businesses; use an earnings credit to offset monthly maintenance fees. | Designed especially for non-profit groups, this market-leading account is also available to governments and municipalities. Learn more. |
Ideal for businesses with higher-volume transactions can use an earnings credit to offset monthly service and treasury management fees. |
| Minimum Opening Deposit | $5,000 |
$100 |
$100 |
$100 |
$100 |
| Minimum Balance to Avoid Monthly Maintenance Fee | None |
$1,000 |
Varies based on account activity and earnings credit4 |
Varies based on account activity and earnings credit4 |
Varies based on account activity and earnings credit4 |
| Monthly Maintenance Fee if Account Falls Below Minimum Daily Balance | None |
$8 |
$10 May be offset by earnings credit4 |
None |
$10 May be offset by earnings credit4 |
| Balance Earns Interest |  |
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Daily investment sweep available5 |
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| FREE Visa® Business Check Card with Visa Extras® | |
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| FREE Analysis of Merchant Services | |
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| FREE Remote Deposit Capture with VCB Merchant Services | |
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| FREE Business Online Banking with FREE eStatements and FREE Bill Pay |
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| Enhanced Online Services Available | |
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| Overdraft Line of Credit (subject to approval) | |
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| FREE Personal Checking Accounts for Company Employees | |
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| FREE First Order of Checks (up to a $150 value) | |
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| FREE Notary Service (customers only) | |
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| FREE Telebanking | |
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| Specialized Treasury Management Services Available6 | |
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Reorder your checks easily online.
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Please read our Bank Services Agreement or our Schedule of Fees. For additional information about eStatements, please click on our eStatements page. Contact us today to experience a difference in your business banking. Call (877) 822-5015 or use our locator to find a conveniently located branch and to enjoy our outstanding customer service. Or let us contact you to help develop a custom solution for your business. |
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1. Free Business Checking. 500 Free items per month includes all checks, deposit tickets, checks deposited, and ACH transactions ($0.25 per item in excess of 500). Overdraft line of credit is subject to approval. Free first order of checks up to a $150.00 value.
2.Small Business Checking. If the daily balance falls below $1,000, a monthly maintenance fee of $8 will apply. Transactions in excess of 100 checks written per month, 25 deposits made per month and/or 200 checks deposited per month will result in a charge of $0.25 per item.
3. Business Interest Checking and Premier Interest Checking. Fees may reduce earnings. This is a variable rate account; Annual Percentage Yield (APY) may change after account opening.
4. The earnings credit will be applied against monthly service fees, which may reduce or totally offset these charges.
5. Investment Sweep. Balance may be invested in an overnight repurchase agreement, fully collateralized by government agency securities, to earn interest. Interest is accrued daily and paid weekly to your account.
6.Additional Treasury Management services are available at a cost.
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Member FDIC.
