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Business Checking Accounts

Sturgis Bank & Trust Company offers checking account options for all types of non-personal organizations. The table below will help describe which account is best for you. Contact our Business Development Office for more details or to open your account today. 

Features Corporate 
Checking
Small Business
Checking
Sole Proprietorship Checking Civic
Religious
Charitable
Checking
 
Municipal
School
Checking
 
This Account Is Perfect For Corporations,Limited Liability Companies, Professional Limited Liability Companies, Limited Liability Partnerships, General Partnerships, Professional Corporations and Estates Businesses with minimal account activity Individual or unincorporated person
Civic, Church, Religious, Non-profit Organization or Affiliated Civic, Religious, Charity, Non-profit Organization  Public Funds, State, County, Township, City or Village Governmental Entity or Schools 
Opening Deposit $100  $100   $100 $100  $100 
Minimum Balance to Avoid Service Fee Maintain an average ledger balance sufficient to offset service and debit fees   Maintain 100 or less debit transaction items (checks written) to avoid a transaction fee  Maintain a $100 minimum daily ledger balance   Maintain a $100 minimum daily ledger balance    Maintain a $100 minimum daily ledger balance
Monthly Service Fee $4 plus $.12 per debit item, this fee can be offset by an earnings credit calculated at a variable earning rate on 70% of the average ledger balance per statement cycle.  $.10 per debit item for items 100 through 200

$.16 per debit item for items exceeding 201 
$7 if balance falls below $100 any day of the statement cycle

$.12 per debit item regardless of balance
$7 if balance falls below $100 any day of the statement cycle 
 $7 if balance falls below $100 any day of the statement cycle

$.12 per debit item regardless of balance
Interest Check Rate No No  Yes  Yes  Yes 
Visa® Business Check Card* Yes  Yes  Yes Yes  Yes
Internet Banking & Billpay Yes  Yes Yes  Yes  Yes
Telebank Yes, Inquiry Only  Yes, Inquiry Only Yes, Inquiry Only  Yes, Inquiry Only  Yes, Inquiry Only
Direct Deposit Yes Yes Yes  Yes  Yes
Merchant Services Yes Yes Yes Yes Yes
eStatements Available Available Available Available Available
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*Non-proprietary fees may apply
** Subject to credit approval
Member FDIC Equal Housing Lender
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