Business Checking

Prosperous businesses create prosperous communities. With this in mind, Solera National Bank has designed a variety of business checking accounts to help businesses like yours thrive. Compare your choices:

Business Checking

For Moderate Activity Business Checking

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Product Business Checking
Description Ideal for businesses with low to moderate activity.
Minimum Deposit to Open Account $100.00
Monthly Maintenance Charge $5.00
Other Account Provisions
  • No charge for up to 150 transactions per monthly statement cycle (ledger debit, credit and deposited items). A charge of $0.25 is assessed for each item in excess of 150.
How Interest is Paid Not Applicable
Visa®  Debit Card Yes
Additional Features
  • Merchant Services: Visa®, MasterCardTM, American Express®, and DiscoverTM available (with approved credit).
  • Free Visa® Scorecard Rewards Debit Card.
  • After Hours Depository.
  • Free online banking and bill pay.
  • Free telephone banking.
  • Free electronic or paper statements.
  • Optional check images available for $5.00 monthly charge.
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

Non-Profit Checking

For Foundations and Charitable Non-Profits

 

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Product Non-Profit Checking
Description Designed specifically for small business foundations and charitable nonprofits.
Minimum Deposit to Open Account $100.00
Service Charge None
Monthly Service Charge None
Other Account Provisions
  • No charge for up to 150 transactions per monthly statement cycle (ledger debit, credit and deposited items). A charge of $0.25 is assessed for each item in excess of 150.
How Interest is Paid Not Applicable
Visa® Debit Card Yes
Additional Features
  • Merchant Services: Visa®, MasterCardTM, American Express®, and DiscoverTM available (with approved credit).
  • Free Visa® Scorecard Rewards Debit Card.
  • After Hours Depository.
  • Free online banking and bill pay.
  • Free telephone banking.
  • Free electronic or paper statements.
  • Optional check images available for $5.00 monthly charge.
  • Up to $100 credit on your initial check order. 
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

Commercial Analysis Checking

Designed to aggregrate service charges and earnings credit from multiple checking accounts against a designated primary checking account.

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Product Commercial Analysis Checking
Description Designed to aggregate service charges and earnings credit from multiple checking accounts against a designated primary checking account. Monthly statement includes detailed account information and a summary of maintenance charges and service charges. Unused earnings credits in excess of service charges can be carried forward to subsequent statement periods.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge Not Applicable
Monthly Service Charge $10.00
Other Account Provisions
  • Charge of $0.12 per ledger debit, credit and deposited item.
  • Charge of $0.10 per electronic debit or credit posted.
  • Earnings credit calculation based on the average monthly collected account balance, less reserve requirement. Variable rate earnings credit will be applied to offset the basic monthly fee and debit, credit and deposited item charges. The earnings credit rate will adjust monthly based upon current money market trends and conditions.
  • If the average collected balance during your statement cycle is negative, your account will be assessed a charge calculated at 2% above the published Wall Street Journal printed rate in effect at the time your statement is cycled.
How Interest is Paid Not Applicable
Visa® Debit Card Yes
Additional Features
  • No minimum balance required.
  • Merchant Services: Visa®, MasterCardTM, American Express®, and DiscoverTM available (with approved credit).
  • Free Visa® Scorecard Rewards Debit Card
  • After Hours Depository.
  • Free online banking and bill pay.
  • Free telephone banking.
  • Free electronic or paper statements.
  • Optional check images available for $5.00 monthly charge.
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.
  • Free Sweep Transfer Account - Allows for a zero-balance account to use for payroll and other needs. Funds are swept from a primary operating account to the zero balance account to pay for debits as they are presented for payment.
  • Free Commercial Revolving Line of Credit Sweep Account - Allows customers to arrange an automated sweep to and from their checking account in order to advance or pay down their commercial revolving line of credit.
  • International Services - Wire transfers (U. S. or foreign currency); foreign drafts (U.S. or foreign dollars). You may present foreign drafts or checks for deposit to your Solera National Bank account on a collection basis. Fees calculated in account analysis. Refer to Service Charge schedule.
  • Wire Transfers - Wire funds from your Solera National account to another account domestically and internationally. Charges calculated in account analysis. Refer to Service Charge schedule.
  • ACH - Provides customer with electronic transfer capabilities for direct deposit/payroll, bill payment, customer-initiated electronic payments/receivables (e.g. health club membership dues, homeowner association fees), etc.

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