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
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

 

Visa® Business Credit Card

No matter what size your business is or which account is right for you, the Visa Business Credit Card is tailored to meet your needs. With two options to choose from, you are sure to enjoy the value-rich benefits that come with a quality business credit card. Speak with your Personal Banker for more information or apply online now if you are ready to begin the application process.

Visit the FDIC's Electronic Deposit Insurance Estimator

Visit the Missouri Business Portal