Business Checking Accounts

Heritage Bank & Trust’s Business checking accounts are tailored to fit the needs of your business. Whether you have a few transactions each month or hundreds, we have an account for you. We offer remote deposit for businesses who need to make deposits from their desk or we have Mobile deposit for smaller businesses on the go. We appreciate the nonprofits in our community and have an account just for you.

Business Checking Account Benefits

Mobile Banking and Mobile Deposit, Online banking and Bill Pay, e-Statements
Mastercard^® Chip Business Debit Card.
Overdraft Protection with approval
Telephone Banking

Options	Basic Business Checking	Business Checking	Commercial Analyzed Account	Heritage Heart Checking
Features	Designed for businesses that generate 75 or fewer monthly items.	Designed for businesses that have up to 150 monthly items.	Designed for larger businesses to maximize their total banking relationship.	For small non-profit organizations, associations, and foundations.
Opening Deposit	$25	None	None	None
Minimum Monthly Balance	$500 daily balance to avoid $7.50 monthly service charge.	$5,000 average collected balance to avoid $10 monthly service charge.	No minimum balance required, as monthly fees are based on account activity	Not applicable
Monthly FEE	Monthly fee will be $7.50 unless the account maintains a $500 daily balance. Up to 75 items at no charge Paper Stmt. Fee - $4 (E-statements are free)	$10 Unless minimum average collected balance is maintained.	$25 Additional fees based on account analysis; contact Client Banker for full list of analysis fees	No monthly fee for account; monthly item fee may apply; contact Client Banker for fee schedule - Qualification depends on volume
Pays Interest	None	None	**Earned interest credits based on collected balance to offset analysis fees	Tiered
Online & Mobile Banking and Mobile Deposit	Yes	Yes	Yes	Yes

The following features are included in all Heritage Bank & Trust business checking accounts: • Mastercard checkcard with approval • Overdraft protection with approval • Online banking with bill pay, mobile banking and mobile deposit (Mobile Deposit per item limit - $2,500 and daily limit of $5,000) • No fee ATM withdrawals within the Moneypass Network

For full account details and disclosures, visit us at one of our locations or contact a Client Banker at 931.388.1970
*$4 monthly fee if customer requests paper statements.
**Contact a Client Banker for a full list of analysis fees.