Operating accounts and credit built for how companies move money.
From startups to established firms — multi-user access, payments, and working capital with clear controls for finance teams.
Deposit, pay, and borrow in one relationship.
Business Checking
Operating account with ACH, wires, check services, and accounting-friendly exports.
Business Savings / Reserve
Separate tax and operating reserves while earning on idle balances where eligible.
Working Capital
Lines of credit and term loans sized to receivables, inventory, and growth plans.
Controls finance leaders expect.
- Role-based permissions and dual approval for large payments
- ACH origination and wire services subject to enrollment
- Vendor payment batches and payment templates
- Positive pay and fraud filters where available
- Integration-ready statement and transaction downloads
Multi-user internet banking
Owners, bookkeepers, and controllers get the access they need — nothing more.
Financing for operations and expansion.
Business Line of Credit
Draw for payroll gaps, inventory, or seasonal demand. Interest typically accrues on amounts drawn.
Business Term Loan
Fund equipment, expansion, or refinance with a fixed repayment schedule.
Business Spend Card
Employee cards with limits, merchant category controls, and monthly reporting.
Relationship coverage across sectors.
Professional services
Law, accounting, consulting — trust and partner distributions.
Retail & e-commerce
Settlement timing, inventory cycles, and card spend controls.
Healthcare practices
Operating accounts with careful payment permissions.
Real estate & property
Entity accounts, reserves, and project-related lending discussions.
Credit is subject to underwriting. Deposit and payment services require approved enrollment and may include fees disclosed in your business agreement.
Business banking questions.
What documents do I need to open a business account?
Typically formation documents, beneficial ownership information, government ID for signers, and a business address. Requirements vary by entity type and jurisdiction.
Can multiple people access the account?
Yes. Business internet banking supports multi-user access with permission levels you define.
How long does business account opening take?
Many applications are reviewed within a few business days after complete documentation. Complex ownership structures may take longer.
Open a business relationship.
Tell us about your company and we will recommend the right account package.