All businesses are not the same.
That's why St. Johns Bank offers several unique business checking accounts. Whether you write or deposit a few checks each month or many, we have a checking solution that fits your business plan.
Visit the FDIC's Electronic Deposit Insurance Estimator
Visit the Missouri Business Portal
| Account | Min. Opening Deposit | Free Items Per Month | Service Charge | Interest | Earnings Credit |
|---|---|---|---|---|---|
| Free Business Checking | $100 | 150 | $0 | No | No |
| Small Business Checking | $100 |
250 | $15 | No | No |
| Business Checking | $100 |
0 | $15 | No | Yes |
| Business Interest Checking | $100 |
0 | $15 | Yes | Yes |
| Lockbox Checking | $100 |
0 | $15 | No | Yes |
Free Business Checking
Minimum Opening Deposit: $100
Free Business 150 Checking is a free account designed for small businesses or organizations with low checking account activity.
- No minimum balance requirement
- FREE Visa Business check card
- FREE 24-Hour TeleConnect telephone banking
- FREE Online Banking
- FREE notary service
- Imaged checks with statement
- Cash Management Services available
- Night depository available
- Safe Deposit Boxes and vaults available
- Per-item cost after 150 free items is $.40
- Overdraft Privilege limit of $500
Small Business Checking
Minimum Opening Deposit: $100
Small Business 250 Checking is designed for mid-sized businesses or organizations with higher checking account activity.
- No minimum balance requirement
- FREE Visa Business check card
- FREE 24-Hour TeleConnect telephone banking
- FREE Online Banking
- FREE notary service
- Imaged checks with statement
- Cash Management Services available
- Night depository available
- Safe Deposit Boxes and vaults available
- Per-item cost after 250 free items is $.50
- Overdraft Privilege limit of $1,000
Business Checking
Minimum Opening Deposit: $100
Business Checking is available to any corporation, LLC, partnership, proprietorship, or non-profit organization.
- FREE Visa Business check card
- FREE 24-Hour TeleConnect telephone banking
- FREE Online Banking
- FREE notary service
- Imaged checks with statement
- Cash Management Services available
- Night depository available
- Safe Deposit Boxes and vaults available
- Earnings credit calculated and applied as a reduction to the monthly fees
- Credit is calculated on 90% of the average daily collected balance at a rate based on the last 91-day Treasury Bill of the previous month
- Overdraft Privilege limit of $1,000
- Other fees eligible to be offset:
- Credit entries @ $.35 each
- Deposited items @ $.10 each
- Debit entries @ $.16 each
- Credit entries @ $.35 each
Business Interest Checking
Minimum Opening Deposit: $100
Business Interest Checking is available only to sole proprietors, non-profit organizations, non-profit corporations, and public funds.
- FREE Visa Business check card
- FREE 24-Hour TeleConnect telephone banking
- FREE Online Banking
- FREE notary service
- Imaged checks with statement
- Cash Management Services available
- Night depository available
- Safe Deposit Boxes and vaults available
- Earnings credit calculated and applied as a reduction to the monthly fees
- Credit rate is the difference between the Business Checking earnings credit rate less the highest Interest Checking account rate
- Other fees eligible to be offset:
- Credit entries @ $.35 each
- Deposited items @ $.10 each
- Debit entries @ $.16 each
- Credit entries @ $.35 each
- Check Business Interest Checking Rates
- Overdraft Privilege available for this account
Lockbox Checking
Minimum Opening Deposit: $100
Lockbox Checking is an account designed for businesses and organizations that receive remittances by mail.
- FREE Visa Business check card
- FREE 24-Hour TeleConnect telephone banking
- FREE Online Banking
- FREE notary service
- Imaged checks with statement
- Cash Management Services available
- Night depository available<
- Safe Deposit Boxes and vaults available
- Earnings credit calculated and applied as a reduction to the monthly fees
- Credit is calculated on 90% of the average daily collected balance at a rate based on the last 91-day Treasury Bill of the previous month
- Lockbox charge is $75.00 per month
- Other fees eligible to be offset:
- Credit entries @ $.35 each
- Deposited items @ $.22 each
- Debit entries @ $.16 each
- Credit entries @ $.35 each
