Our Business Checking Account offers the flexibility, security, and convenience you need to manage your finances efficiently. With easy access to funds, digital banking tools, and tailored solutions, SBIC helps your business thrive.
Finding the right business checking account for your business is essential to managing your cash flow and achieving financial goals.
| Account Type | Ideal For | Interest Earning | Minimum Initial Deposit | Monthly Service Fee | Balance to Waive Fee | Free Transactions (Per Month) | Additional Accounts |
|---|---|---|---|---|---|---|---|
| Basic Business Checking | Minimal transactions with basic internet banking needs | N/A | $100 | $18 | $1,500 | 25 free; $0.45 per transaction over 25 | Available |
| Simple Business Checking | New businesses with low transaction volume | N/A | $100 | $15 | $5,000 | 200 free; $0.45 per transaction over 200 | Available |
| Elite Business Checking | Greater transaction needs with fraud protection | N/A | $100 | $40 | $25,000 | 400 free; $0.45 per transaction over 400 | Available |
| Ultimate Business Checking | High-volume transaction businesses | N/A | $100 | $90 | $75,000 | 500 free; $0.45 per transaction over 500 | Available |
| Analysis Business Checking | High-end treasury and volume business clients | N/A | $500 | See Fee Schedule | See Fee Schedule | See Fee Schedule | Available |
| Interest Business Checking | Low transaction volume with interest earnings | 0.15% | $2,500 | $20 | $15,000 | 50 free; $0.45 per transaction over 50 | Available |
| Attorney Client Trust Checking | Attorneys and law firms with interest-earning needs | 3.74% | $100 | $0 | N/A | Unlimited | Available |
Start today—open a business checking account with SBIC to enjoy these robust features and benefits that support your business growth!
Open a business checking account with SBIC and enjoy features that help streamline your cash flow and support your growth. Plus, get reimbursed* for out-of-network ATM fees—because your convenience matters to us.
Finding the right business checking account for your small business is essential to managing your cash flow and achieving financial goals.
Opening a business checking account with SBIC is simple and hassle-free. Follow these quick steps to get started today:
Account Bonuses and Offers
Boost your business growth with SBIC’s exclusive business checking account bonuses. Open a small business checking account and unlock benefits like waived fees, cashback offers, and preferential rates.
These rewards are meant to help your business thrive while giving you more value with every transaction. Explore our business checking accounts and start saving today!
Locate an SBIC branch near you to experience personalized banking services. From opening a business checking account to in-person support, we’re here to assist you.
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"You will have a wonderful experience at SBI (California). Staff members are polite, respectful and will make your banking experience great. Bank on them!"
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"Easy signup, smooth experience without any hassle."
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"Excellent customer service & support. I have been banking with SBI California for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC."
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"You will have a wonderful experience at SBI (California). Staff members are polite, respectful and will make your banking experience great. Bank on them!"
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"Easy signup, smooth experience without any hassle."
Our customers are at the heart of everything we do. Here's what they're saying about their experience with SBI California:
"Excellent customer service & support. I have been banking with SBI California for a long time. They are extremely helpful, very supportive, knowledgeable, professional and courteous, had a great experience. I would highly recommend SBIC."
Explore SBIC’s comprehensive range of banking solutions, including business checking accounts, savings accounts, loans, and remittance services. Manage your finances effortlessly with options like online business checking accounts tailored to your needs.
You’ll need the following:
The minimum initial deposit varies based on the type of business checking account you choose:
For more details, explore our business checking account offers to find the right fit for your business needs.
Each business checking account offers a specific number of free transactions:
Explore our business checking account options to determine which suits your transaction needs.
Yes, all SBIC customers can open a business checking account and access it online through our secure Business Online Banking platform. Manage your funds, monitor transactions, and utilize our convenient tools anytime, anywhere!
SBIC provides flexible overdraft protection options, including linking to savings accounts and overdraft credit lines.
Yes, the Attorney Client Trust Checking account is specifically designed for attorneys, offering unlimited transactions and no service fee.
SBIC offers promotions, including waived fees and cashback for new account holders.
Yes, our Interest Business Checking offers a rate of 0.15% for accounts with a minimum balance of $15,000.
SBIC reimburses* out-of-network ATM fees for eligible accounts.
Yes, you can send secure domestic and international wire transfers directly from your account.
Yes, but additional documentation and residency requirements may apply.
SBIC utilizes industry-standard encryption and multi-factor authentication to safeguard your data and transactions.
You can switch to a more advanced account type by contacting our support team.
Yes, our accounts integrate seamlessly with popular accounting platforms like QuickBooks and Xero.
Yes, SBIC allows businesses to open multiple accounts under a single EIN.
A service fee will apply, which varies by account type. (if applicable.)
Use the branch locator tool on our website to find the nearest SBIC location.
Each additional transaction incurs a fee of $0.45.
Check Deposits limits $10,000 per day and $50,000 per month.
Visit your local branch or contact customer support to close your account accurately.
Access links to services, policies, and support. Open your business checking account and bank with ease today!
1 Reimbursements vary based on account type. Please see applicable Account Agreements for specific reimbursement terms.
2 Interest rates are variable and may change as often as daily without notice. Interest is calculated on the daily collected balance, compounded daily, and credited monthly. Interest begins to accrue on the first business day the Bank receives credit for the deposit of non-cash items (e.g., checks). For current rates, please visit the Deposit Rates page, call us at 1-877-707-1995, or visit your preferred local branch.
3 Interest is paid to State Bar. Please consult with one of our Business Banking Representative for more details.
4 Transaction fees cannot be waived by maintaining the required minimum balance. For additional transaction fees that may apply, please see the Business Banking Schedule of Fees and Charges.
5 Additional fees/charges may apply. Please see details listed in applicable Account Agreements and the Business Banking Schedule of Fees and Charges.
6 Please consult with one of our Business Banking Representative for more details.
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