Business Checking Overview

As the foundation of your banking relationship, the right checking account can mean the difference between hours of additional time spent managing your finances and spending that time growing your business. Whether you’re running a small business or a large corporation, Wheatland Bank has the perfect business checking account for you. One that’s designed to work harder, so you don’t have to.


At Wheatland Bank, we know your business is unique and has specific financial needs. We want to make your choices easy. Whether you have moderate volume activity and account balances or higher transaction volumes and balances requiring multiple accounts, Wheatland Bank has the solution for your business.

 

Business Checking Comparison

  Minimum Opening Deposit Interest Included Monthly
Transactions
Monthly Service
Charge

Prime Analyzed
Business Checking
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Cash Management and ACH Payroll Services available.  (Additional fees apply)

$100 No $5,000 cash
deposited
  • $10 
  • Earnings Credit Allowance (ECR) may be used to offset the charge

Smart Choice
Business Checking
Learn more

Includes Remote Deposit Capture and ACH Payroll Services.  (Daily limits apply)

$100 No First 250 paid
and 250 deposited
items; $5,000
cash deposited; 6 Online Bill Pay items
  • $30 
  • $40 if balance falls below $20,000 during statement cycle

Choice Business
Checking
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$100 No First 250 paid
and 250 deposited
items; $5,000
cash deposited
  • $3 with E-Statements
  • $5 with paper statements

Business Interest
(NOW) Checking
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$100 Yes $5,000 cash
deposited
  • $0
  • $10 if balance falls below $2,000 during statement cycle

Free Small
Business Checking
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$100 No First 100 paid
and 100 deposited
items; $5,000
cash deposited
  • $0 with E-Statements
  • $2 with paper statements

 

Overdraft Protection Options

1. Transfer from another account: If you have other accounts with us, you can authorize us to transfer the funds needed to cover your overdraft. ($7.50 transfer fee applies)

2. Line of Credit: A line of credit is available to cover overdrafts. This service requires to complete a loan application and approval is based on your credit worthiness. Contact your local branch for applicable terms and conditions.

3. Overdraft Privilege: Overdraft Privilege is a service we add to your checking account through which we will strive to pay your overdraft items. Contact your local branch for a copy of the Overdraft Privilege disclosure.

 

Cash Management
Cash Management

Managing your cash and your time is vital to your success.  With Cash Management, you have access to your account, 24-hours a day, seven days a week!

Learn About Cash Management

Merchant Services
Merchant Services

If your business relies on credit/debit card transactions or if you would like to begin accepting credit/debit cards for payment, Wheatland Bank can help.

Learn About Merchant Services

Business Loans
Business Loans

Whether you are in need of working capital or a commercial real estate loan, our team of commercial loan officers will develop a customized plan to meet the needs of your business.

Learn About Business Loans