Business Banking
How to open a business bank account
Every new business checking account includes:
- Free Business Debit Cards
- Free Internet Banking
- Free Bill Pay
- Free Mobile Banking
- Free Mobile Deposit
- Free eStatements with online check images
- Free access to over 25,000 Kirkpatrick Bank and MoneyPass ATMs Nationwide
- Out of network ATM Fees from Kirkpatrick Bank waived
Treasury Management Specialists will customize a solution to help your business run with maximum efficiency
- OK. 405.341.8222
- COS. 719.866.6300
- DEN. 303.474.5000
Simply Free Business Checking
A FREE account for everyone!
- 1,000 free monthly transaction items
- No minimum balance
- No monthly maintenance fee
- Open with $50
Business Interest Checking
Designed for sole proprietorships and not-for-profits!
- 1,000 free monthly transaction items
- Competitive Interest
- Only $1,500 minimum balance to avoid a low monthly maintenance fee of $10
- Open with $50
Commercial Analysis Checking
Our Treasury Management Team will assist you with a customized account that will best meet your needs!
- Offers earnings credit to potentially offset low monthly maintenance fee of $10
- $0.15/check or debit processed and $0.10/transit item deposited
- Open with $100
Savings
| MONEY MARKET | BASIC SAVINGS | CERTIFICATE OF DEPOSITS | |
| Minimum Opening Deposit | $2,500 | $100 | $1,000 |
| Monthly Maintenance Fee | $10/month if daily avg. balance < $2,500 | $5/month if daily average balance < $100 | No monthly maintenance fee |
| Earns Interest | Tiered rates compounded any paid monthly | Compounded and paid monthly | Compounded and paid quarterly |
| Number of Permitted Withdrawals/Cycle | 6 | 6 | - |
| Number of Complimentary Withdrawals | 6 | 6 | - |
| Withdrawal Fee for Each Withdrawal Over Six | $10/withdrawal over 6 | $5/withdrawal over 6 | Early withdrawal penalties may apply |
| Automatic Transfers from Other Accounts | Yes | Yes | - |
| Minimum Opening Deposit | |
| MONEY MARKET | MONEY MARKET |
| BASIC SAVINGS | BASIC SAVINGS |
| CERTIFICATE OF DEPOSITS | CERTIFICATE OF DEPOSITS |
| Monthly Maintenance Fee | |
| MONEY MARKET | $2,500 |
| BASIC SAVINGS | $100 |
| CERTIFICATE OF DEPOSITS | $1,000 |
| Earns Interest | |
| MONEY MARKET | $10/month if daily avg. balance < $2,500 |
| BASIC SAVINGS | $5/month if daily average balance < $100 |
| CERTIFICATE OF DEPOSITS | No monthly maintenance fee |
| Number of Permitted Withdrawals/Cycle | |
| MONEY MARKET | Tiered rates compounded any paid monthly |
| BASIC SAVINGS | Compounded and paid monthly |
| CERTIFICATE OF DEPOSITS | Compounded and paid quarterly |
| Number of Complimentary Withdrawals | |
| MONEY MARKET | 6 |
| BASIC SAVINGS | 6 |
| CERTIFICATE OF DEPOSITS | - |
| Withdrawal Fee for Each Withdrawal Over Six | |
| MONEY MARKET | 6 |
| BASIC SAVINGS | 6 |
| CERTIFICATE OF DEPOSITS | - |
| Automatic Transfers from Other Accounts | |
| MONEY MARKET | $10/withdrawal over 6 |
| BASIC SAVINGS | $5/withdrawal over 6 |
| CERTIFICATE OF DEPOSITS | Early withdrawal penalties may apply |
Insured Cash Sweep (ICS)
- Earn interest by putting excess cash balances in money market deposit accounts
- Access to multi-million-dollar FDIC insurance protection
- Conveniently manage ICS funds online
- Withdraw ICS funds up to 6 times per month
- Save time by working directly with just one bank – the bank you know and trust
Certificate of Deposit Account Registry Service (CDARS)
- Earn interest by putting excess cash balances in Certificate of Deposit accounts
- Access to multi-million-dollar FDIC insurance protection
- Save time with one bank, one rate, and one statement
- Terms from 4 weeks to 5 years
© 2025 Kirkpatrick Bank. All rights reserved.
