Business Checking

Free Online/Mobile Banking, Bill Pay and Telephone Banking is available for all accounts. 

Please see our Schedule of Fees & Services for more details. A variety of checking accounts are available. We offer interest bearing and non-interest bearing accounts. Please contact your Charlevoix State Bank representative for current interest rates on our NOW and MMA accounts.

Small Business Checking

  • No minimum opening deposit
  • No monthly cycle service charge up to 100 paper check items; $0.20 per paper check after 100 items.  Unlimited electronic transactions.
  • Electronic statements; requires online banking
  • $5.00 monthly dormant fee (assessed after 12 months inactivity)

Business Checking

  • Minimum opening deposit $100.00
  • $5.00 monthly service charge plus 10 cents per check or debit item. A 25 cent credit per $100.00 average balance for the statement cycle will be applied to offset the monthly service charge. 
  • $5.00 monthly dormant fee (assessed after 12 months inactivity)

Business NOW (Interest-Bearing)

  • May only be held by a sole proprietor and certain non-profit organizations.
  • Minimum monthly balance of $1,000.00.
  • A $10.00 service charge will be assessed if balance falls below $1,000.00 within a statement cycle and no interest will be paid. 
  • If there is no account activity for twelve months a monthly dormant account fee of $5.00 will be assessed.

Money Market (Interest-Bearing)

  • Minimum opening deposit $2,500.00 
  • $10.00 service charge if balance falls below $2,500.00 and no interest will be paid for the month.  
  • Interest is tiered, computed daily and paid monthly on accounts maintaining a $2,500.00 minimum balance each statement cycle.
  • Preauthorized transfers or withdrawals are limited to six per calendar month. Unlimited transfers and withdrawals are allowed if made through ATM or in person.

Employer Health Savings Plans Now Available!

  • Ask for details.

Additional terms may apply

All deposits are insured up to $250,000 by the FDIC, subject to FDIC rules and requirements. A brochure outlining your coverage options is available for your guidance.