Business Checking | CNB St. Louis Bank

Our business checking accounts are suitable for sole proprietors, partnerships, limited liability companies (LLCs), corporations, or any other non-personal entity. There are a variety of choices available. Our goal is to be everything your business needs in a bank. It doesn’t matter if your business is big or small, well-established or just getting started, there’s a checking account that will help your business grow.

Compare Business Checking Accounts

Accounts	Minimum to Open	Monthly Maintenance	Transactions	Earnings Allowance to Offset Fees?
Start-Up Business Checking	$100.00	$10.00* _{*waived with an average monthly balance of > $250}	10 per statement cycle, $0.40 per excess item	NO
Essential Business Checking	$100.00	$20.00* _{*waived with an average monthly balance of > $1,000.00}	150 per statement cycle, $0.40 per excess item	NO
Commercial Analysis Checking	$100.00	$20.00	$0.20 Debits $0.50 Credits $0.20 ACH Debits/Credits $0.15 Deposited Items
Not-for-Profit Checking	$100.00	$6.00* _{*waived with a minimum daily balance >$500.00}	unlimited	NO

Start-Up Business Checking

Our start-up business checking account is designed for businesses who are just getting started or established businesses with minimal transactional needs. A version of our essential business checking, with a lower balance requirement, lower monthly fee, and fewer free transactions. Start here and step up to essential whenever your business needs change!

$100.00 to open account
Maintain an average monthly balance of $250.00 or greater in order to avoid a $10.00 monthly service fee
10 free items process per month/statement cycle
$0.40 fee per excess item
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to a wide array of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

Essential Business Checking (Formerly called Small Business Checking)

Our essential business checking account is designed for business of all sizes to make daily financial transactions simpler.

$100.00 to open account
Maintain an average monthly balance of $1,000.00 or greater in order to avoid a $20.00 monthly service fee
150 free items process per month/statement cycle
$0.40 fee per excess item
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to a wide array of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

Commercial Analysis Checking

Designed to accommodate a high volume of transactions and/or sophisticated cash management needs, the commercial analysis checking account is scalable to your business and with your business as it changes and grows.

Analyzed Business Checking for high volume account activity who can use earnings allowance* to offset fees for banking services
Monthly Account Maintenance: $20.00
Debits: $0.20 Credits: $0.50 ACH Debits/Credits: $0.20 Deposited Items: $0.15
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to the full suite of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

*Earnings allowance is earned on the collected balance less reserves at an annual rate. Earnings allowances can be used to offset fees for services. Contact us for the current earnings allowance rate.

Not-for-Profit Checking

We understand that money is a critical part of what you do so we built an account just for you.

$500.00 minimum daily balance required to avoid $6.00 monthly service fee
Online Account Access and Online Bill Pay
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

Learn more about our Banking Solutions for Nonprofits