Business

Deposit Products

Business Checking Accounts

Ixonia Bank offers a variety of Business Checking plans and Cash Management services which can be customized to meet the specific needs of your business and help you succeed. For all of our Business Checking accounts, the following apply:

  • $100 to open
  • No Annual Fee Debit Card
  • Free ATM Transactions (1)
  • Free 24-Hour Telephone Banking
  • Business Online Banking & Bill Pay Available

 Product

Basic Business Checking Plus

Select Business Checking Plus

Elite Business 
Checking Plus

Account Overview

The ideal account for early-stage companies with low transaction volumes, & non-complex banking requirements.

A cost-effective solution for emerging businesses with moderate transaction processing or moderate cash management needs.

An account designed for high transaction accounts or those with complex cash management needs. Many account fees can be offset with a monthly earnings credit.(3)

Maximum Number of Items(2) Processed per Statement Cycle at No Charge

100 items

500 items

N/A

Per Item Charge over Maximum

$0.25/item over 100

$0.25/item over 500

N/A

Per Credit Charge

N/A

N/A

$0.06 per credit, plus $0.06 per item credited

Per Debit Charge

N/A

N/A

$0.15

Monthly Maintenance Charge

None

$15.00

$7.00

Minimum Account Balance to Avoid Monthly Maintenance Charge

None

$2,500 daily balance

N/A

Other Relationship Balances to Avoid Monthly Maintenance Charge

None

$100,000 in Savings or Loan Relationship(s)

N/A

Earnings Credit

N/A

N/A

Yes(3)

Business Online Banking Available(4)

Yes

Yes, with Cash Management solutions available. See Business Banker for details.

Yes, with Cash Management solutions available. See Business Banker for details.

Business Online Bill Pay Available(5,6)

Yes

Yes

Yes

Loan and Investment Sweep Account options are available to help maximize interest expense savings and earning potential. Contact a Business Banker today to learn more!

(1) Other banks may charge usage fees at ATMs not operated by Ixonia Bank, unless part of the ATM Access Network. Click here or see ATM Access Network Brochure for more details.[link to Debit & ATM Cards page]
(2) Items include: checks paid, deposit tickets, items deposited, online banking transfers (excluding automatic loan payments), debit card transactions, ATM withdrawals, & ACH transactions.
(3) Monthly earnings credit will be applied to offset bank charges. See Fee Schedule for a listing of fees.
(4) Transactions made after 6:00pm, on weekends, and on holidays (including Federal ones) will be processed the next business day. Business Online Banking Basic includes account viewing and internal transfers. Cash Management Solutions include: Business Online Bill Pay, ACH Origination, Remote Deposit Capture, Loan Sweep Accounts. Subject to approval. Additional monthly or “per use” fees may apply.
(5) Must be enrolled in Business Online Banking.
(6) A $5.00 fee will be charged to each Online Bill Pay enabled account for each monthly cycle (based on enrollment date) in which you do not initiate a payment through Online Bill Pay. The $5.00 fee will be waived for each monthly cycle during which you initiate at least one payment through Online Bill Pay. 
Any charges on Business Checking account(s) will accumulate and appear as one Service Charge on your statement(s). For all our products and services, other restrictions may apply. 
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