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Business Checking

Manage your bottom line more efficiently with TruStone.

There's no time to waste in your day. Whether you're in the office, on the job site, volunteering in the community or anywhere in between. TruStone makes it easy for you to manage your daily finances with business checking options that cater to different goals and business sizes, including our new Booster Checking Account.

Fewer and Lower Fees

Fewer and Lower Fees

Keep more of your money working for you
Visa® Debit Card

Visa® Debit Card

Make purchases and access cash at ATMs
Digital Banking

Digital Banking

Access digital banking to stay on top of your finances on the go
Surcharge-Free ATM Access

Surcharge-Free ATM Access

Withdraw money without fees slowing you down

Which Business Checking account works for you?

  Small Business Checking Essential Business Checking Capital Business Checking
Requirements  $100 opening deposit $500 minimum balance; $100 opening deposit $100 opening deposit
Monthly Fees None $5/month* if average daily balance <$500 $12/ month* if average daily balance <$7,500
Checks/Debits First 20 are free per month, $0.25 each thereafter. First 100 are free per month, $0.20 each thereafter First 250 are free per month, $0.20 each thereafter

Business Checking

EffectiveApril 1, 2024 (rates subject to change)
Account and Tier Minimum Opening Deposit Maintenance Fee/Minimum Balance Other Fees Dividend Rate Annual Percentage Yield (APY)*
Essential Business Checking $100 $5 if balance is less than $500 100 paper/ electronic items free, $0.20/item thereafter 0.00% 0.00%
Small Business Checking $100 $0 First 20 checks/debits are free per month, $0.25 each thereafter. 0.00% 0.00%
Capital Business Checking1 - Tier I: $0- $7,499.99 $100 $12 fee if balance less than $7,500 First 250 paper/electronic items free, $0.20/item thereafter 0.00% 0.00%
Capital Business Checking1 - Tier II: $7,500 - $14,999.99 $100 $12 fee if balance less than $7,500 First 250 paper/electronic items free, $0.20/item thereafter 0.20% 0.20%
Capital Business Checking1 - Tier III: $15,000 - $24,999.99 $100 $12 fee if balance less than $7,500 First 250 paper/electronic items free, $0.20/item thereafter 0.25% 0.25%
Capital Business Checking1 - Tier IV: $25,000+ $100 $12 fee if balance less than $7,500 First 250 paper/electronic items free, $0.20/item thereafter 0.30% 0.30%

Capital Business Checking:1 For these account types, the dividend period is monthly. For example: the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the ending date of a dividend period, such as January 31. Rates subject to change including after account opening. Fees may reduce earnings.

ATM Withdrawals: The first five ATM withdrawals made at non-TruStone-owned ATMs each month are free. Each withdrawal fee after five is $3.00. There is no fee for ATM withdrawals at TruStone-owned ATMs.

*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.

Balance computation method — Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits — Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account. Nature of dividends — Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects of account closing — If you close your account before dividends are paid, you will receive the accrued dividends. These are prospective dividend rates and anticipated Annual Percentage Yields (APY) for the current dividend period and may change at any time without limitations as determined by the TruStone Board of Directors. To confirm the current rates, call 763.591.4949 or 800.343.8328

Get a better business checking account.

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