Business Checking

All businesses are not the same. That's why St. Johns Bank offers several unique business checking accounts. Whether you write or deposit a few checks each month or many, we have a checking solution that fits your business plan.  

Account Name Learn More Minimum Opening Deposit Free Items Per Month Monthly Service Charge Interest Bearing Earnings Credit
Free Business 150 Checking More » $100 150 $0 No No

Minimum Opening Deposit: $100

Free Business 150 Checking is a free account designed for small businesses or organizations with low checking account activity.

  • No minimum balance requirement
  • FREE Visa Business check card
  • FREE 24-Hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE notary service
  • Imaged checks with statement
  • Cash Management Services available
  • Night depository available
  • Safe Deposit Boxes and vaults available
  • Per-item cost after 150 free items is $.40
  • Overdraft Privilege limit of $500 
Small Business 250 Checking More » $100 250 $15 No No

Minimum Opening Deposit: $100

Small Business 250 Checking is designed for mid-sized businesses or organizations with higher checking account activity.

  • No minimum balance requirement
  • FREE Visa Business check card
  • FREE 24-Hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE notary service
  • Imaged checks with statement
  • Cash Management Services available
  • Night depository available
  • Safe Deposit Boxes and vaults available
  • Per-item cost after 250 free items is $.50
  • Overdraft Privilege limit of $1,000
Business Checking More » $100 0 $15 No Yes

Minimum Opening Deposit: $100

Business Checking is available to any corporation, LLC, partnership, proprietorship, or non-profit organization.

  • FREE Visa Business check card
  • FREE 24-Hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE notary service
  • Imaged checks with statement
  • Cash Management Services available
  • Night depository available
  • Safe Deposit Boxes and vaults available
  • Earnings credit calculated and applied as a reduction to the monthly fees
  • Credit is calculated on 90% of the average daily collected balance at a rate based on the last 91-day Treasury Bill of the previous month
  • Overdraft Privilege limit of $1,000
  • Other fees eligible to be offset:
    • Credit entries @ $.35 each
    • Deposited items @ $.10 each
    • Debit entries @ $.16 each
Business Interest Checking More » $100 0 $15 Yes Yes

Minimum Opening Deposit: $100

Business Interest Checking is available only to sole proprietors, non-profit organizations, non-profit corporations, and public funds.

  • FREE Visa Business check card
  • FREE 24-Hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE notary service
  • Imaged checks with statement
  • Cash Management Services available
  • Night depository available
  • Safe Deposit Boxes and vaults available
  • Earnings credit calculated and applied as a reduction to the monthly fees
  • Credit rate is the difference between the Business Checking earnings credit rate less the highest Interest Checking account rate
  • Other fees eligible to be offset:
    • Credit entries @ $.35 each
    • Deposited items @ $.10 each
    • Debit entries @ $.16 each
  • Check Business Interest Checking Rates
  • Overdraft Privilege available for this account
Lockbox Checking More » $100 0 $15 No Yes

Minimum Opening Deposit: $100

Lockbox Checking is an account designed for businesses and organizations that receive remittances by mail.

  • FREE Visa Business check card
  • FREE 24-Hour TeleConnect telephone banking
  • FREE NetConnect online banking
  • FREE notary service
  • Imaged checks with statement
  • Cash Management Services available
  • Night depository available
  • Safe Deposit Boxes and vaults available
  • Earnings credit calculated and applied as a reduction to the monthly fees
  • Credit is calculated on 90% of the average daily collected balance at a rate based on the last 91-day Treasury Bill of the previous month
  • Lockbox charge is $75.00 per month
  • Other fees eligible to be offset:
    • Credit entries @ $.35 each
    • Deposited items @ $.22 each
    • Debit entries @ $.16 each

 

Visit the FDIC's Electronic Deposit Insurance Estimator

Visit the Missouri Business Portal