Simply Free Business
A free account with no minimum balance requirements.
Basic Business with Interest
A straightforward, low-cost account. Let’s start with the basics and add what you need.
Business Builder
Add a package of electronic services to improve efficiencies — all for one monthly fee.
| Account | Minimum opening deposit | Interest | Business Banking Online & mobile app access | Debit card | # of free transaction items/statement cycle¹ | Bill Pay included² | ACH included² | Desktop Teller included² | Cost |
|---|---|---|---|---|---|---|---|---|---|
|
Simply Free Business A free account with no minimum balance requirements |
$50 | N/A | ✓ | ✓ | 75³ | N/A | N/A | N/A | Free (paperless statements are required) |
|
Basic Business with Interest A low-cost account designed with the small business in mind |
$50 |
✓ |
✓ | ✓ | 250 | N/A | N/A | N/A | $12/month (can be waived with a $500 minimum daily balance) |
|
Business Builder Gain the efficiencies of electronic services for one monthly fee |
$50 | N/A | ✓ | ✓ |
500 (also consider Business Analysis Checking) |
✓ | ✓⁴ | ✓ |
$50/month with paperless statements (for paper statements, add $5/month) |
¹Transactions include deposited items, withdrawals, electronic debits, and checks.
²Some product activity fees may apply.
³If your transactions go over 75, we may convert you to another account type.
⁴Designed for ACH origination activity of less than 20 payments and total dollars less than $50,000 per pay period.
Business Analysis Checking
A Business Analysis account is designed for businesses with large numbers of monthly transactions. There is a $15 monthly maintenance fee and per-item activity fees, although checking activity and service fees are offset by earnings credits based on short-term market rates applied to your average available balance (less reserve requirements*). Negative available balances are assessed a fee based upon the bank’s current lending rates. Contact our team to assess if a Business Analysis checking account is right for your business.
Free Download
When you’re running a business, your time is valuable. We understand — and we’ve made it easier to be prepared when it’s time to open a business checking account. Download our handy checklist to get a clear picture of the information and documentation you’ll want to have on hand when you’re ready to head to the bank. We’ll take it from there.
Visa Business Debit Card
Convenient access to your funds
Managing your business checking account is easy with the Visa® Business debit card. It gives you (or designated employees) the flexibility to purchase, deposit, withdraw, transfer funds, and check balances.
Business Banking Online
Your business, at your fingertips
For most business owners, there are no standard business hours. So wherever your day takes you, manage your business accounts when it works for you on your computer or on a mobile device.
Stop By a Branch
We’re always glad to see you!
Need to visit one of our branches for some one-on-one assistance? At UBT, we have numerous locations conveniently located to make it easy to stop by and get help from a friendly face. Click below to find the branch nearest you!
Treasury Management Services
At UBT, your money has people
Before we recommend any products or services, a treasury management expert — like Jan — will ask questions and take the time to listen to your needs and goals. Then, we’ll offer the right mix of services to get you there, backed by service you’ll only get from a family-owned bank.
Frequently Asked Questions
*Federal law requires that a percentage of all funds on deposit must be held in reserve. This amount is deducted from the average positive available balance before the earnings credit is determined.
