Business Deposit Products
Business Checking Accounts
Ixonia Bank offers a variety of Business Checking plans and Treasury Management services which can be customized to meet the specific needs of your business and help you succeed.
Product
Basic Business Checking Plus
Select Business Checking Plus
Elite Business Checking Plus
Account Overview
The ideal account for Sole
Proprietors with low transaction volumes, & non-complex banking requirements.
A cost-effective solution for emerging businesses with moderate transaction processing or moderate treasury management needs.
An account designed for high transaction accounts or those with complex treasury management needs. Many account fees can be offset with a monthly earnings credit.1
Maximum Number of Items Processed per Statement Cycle at No Charge2
50 items
500 items
N/A
Per Item Charge over Maximum
$0.25/item over 50
$0.25/item over 500
N/A
Per Credit Charge
N/A
N/A
$0.20 per credit, plus $0.13 per item credited
Per Debit Charge
N/A
N/A
$0.15
Rolled Coin Charge / Strapped Currency Charge (partial or full)
$0.15 / $0.30
$0.15 / $0.30
See Commercial Banker for details.
Business Paper Statement Charge
$4.00
$4.00
$4.00
To Avoid Monthly Paper Statement Charge
$4.00 credit applied to Service Charge with eStatement enrollment.
$4.00 credit applied to Service Charge with eStatement enrollment.
$4.00 credit applied to Service Charge with eStatement enrollment.
Minimum Balance to Open
$100
$100
$100
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
Monthly Maintenance Charge
None
$15.00
$20.00
Earnings Credit
N/A
N/A
Yes3
Business Online Banking Available4
Yes
Yes, with Treasury Management solutions available. See Commercial Banker for details.
Yes, with Treasury Management solutions available. See Commercial Banker for details.
Business Online Bill Pay Available4
Yes
Yes
Yes
Other Benefits
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
Product
Account Overview
Basic Business Checking Plus
The ideal account for Sole
Proprietors with low transaction volumes, & non-complex banking requirements.
Select Business Checking Plus
A cost-effective solution for emerging businesses with moderate transaction processing or moderate treasury management needs.
Elite Business Checking Plus
An account designed for high transaction accounts or those with complex treasury management needs. Many account fees can be offset with a monthly earnings credit.1
Product
Maximum Number of Items Processed per Statement Cycle at No Charge2
Basic Business Checking Plus
50 items
Select Business Checking Plus
500 items
Elite Business Checking Plus
N/A
Product
Per Item Charge over Maximum
Basic Business Checking Plus
$0.25/item over 50
Select Business Checking Plus
$0.25/item over 500
Elite Business Checking Plus
N/A
Product
Per Credit Charge
Basic Business Checking Plus
N/A
Select Business Checking Plus
N/A
Elite Business Checking Plus
$0.20 per credit, plus $0.13 per item credited
Product
Per Debit Charge
Basic Business Checking Plus
N/A
Select Business Checking Plus
N/A
Elite Business Checking Plus
$0.15
Product
Rolled Coin Charge / Strapped Currency Charge (partial or full)
Basic Business Checking Plus
$0.15 / $0.30
Select Business Checking Plus
$0.15 / $0.30
Elite Business Checking Plus
See Commercial Banker for details.
Product
Business Paper Statement Charge
Basic Business Checking Plus
$4.00
Select Business Checking Plus
$4.00
Elite Business Checking Plus
$4.00
Product
To Avoid Monthly Paper Statement Charge
Basic Business Checking Plus
$4.00 credit applied to Service Charge with eStatement enrollment.
Select Business Checking Plus
$4.00 credit applied to Service Charge with eStatement enrollment.
Elite Business Checking Plus
$4.00 credit applied to Service Charge with eStatement enrollment.
Product
Minimum Balance to Open
Basic Business Checking Plus
$100
Select Business Checking Plus
$100
Elite Business Checking Plus
$100
Product
Minimum Account Balance to Avoid Monthly Maintenance Charge
Basic Business Checking Plus
None
Select Business Checking Plus
$2,500 daily balance
Elite Business Checking Plus
N/A
Product
Other Relationship Balances to Avoid Monthly Maintenance Charge
Basic Business Checking Plus
None
Select Business Checking Plus
$100,000 in Savings or Loan Relationship(s)
Elite Business Checking Plus
N/A
Product
Monthly Maintenance Charge
Basic Business Checking Plus
None
Select Business Checking Plus
$15.00
Elite Business Checking Plus
$20.00
Product
Earnings Credit
Basic Business Checking Plus
N/A
Select Business Checking Plus
N/A
Elite Business Checking Plus
Yes3
Product
Business Online Banking Available4
Basic Business Checking Plus
Yes
Select Business Checking Plus
Yes, with Treasury Management solutions available. See Commercial Banker for details.
Elite Business Checking Plus
Yes, with Treasury Management solutions available. See Commercial Banker for details.
Product
Business Online Bill Pay Available4
Basic Business Checking Plus
Yes
Select Business Checking Plus
Yes
Elite Business Checking Plus
Yes
Product
Other Benefits
Basic Business Checking Plus
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
Select Business Checking Plus
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
Elite Business Checking Plus
No Annual Fee Debit Card. FREE ATM Transactions5. FREE 24-Hour Telephone Banking.
(1) Monthly earnings credit will be applied to offset bank charges. See Commercial Banker for details.
(2) Items include: checks paid, items deposited, online banking transfers (excluding automatic loan payments), debit card transactions, ATM withdrawals, & ACH transactions.
(3) 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.
(4) Must be enrolled in Business Online Banking. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Ixonia Bank Bill Pay product.
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.
(5) 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.
Contact a Commercial Banker today to learn more!
Loan and Investment Sweep Account options are available to help maximize interest expense savings and earning potential.
