Your Local Partner for Simple Small Business Checking
Running a local business takes hustle, and you need a bank that keeps up without slowing you down. At Bank of St. Croix, we built our business checking accounts around you. We give you the tools you need—like our great mobile app—plus the friendly, personal banking help only a community bank can offer. We are here to be your partner, not just a place to keep your cash.
We offer two great options. Choose the one that fits your organization’s needs best!
Commercial Checking
Our Commercial Checking account offers business owners a competitive checking account with these great features:
- Open an account with a $500 deposit
- A check fee of $.20 per check
- An earnings credit of $1 will be applied towards the monthly service fee and per check fee for each increment of $1,000 maintained in the average monthly balance
- Monthly statement with images
- Visa® Debit Card available
- Itemized monthly statements
- FREE Online Banking
- Bill Pay available upon request
- Monitor your accounts with Notifi Alerts
- Mobile App is available for download via the App Store or Google Play
- Merchant processing available giving you the opportunity to increase sales by accepting credit cards for customer payments
There is a $5 monthly service fee.
Community Investment Checking
Start earning money for your non-profit with this unique interest bearing checking account that has the following features:
- Open an account with a $25 deposit
- No minimum balance required
- The first 750 items are processed FREE each month*
- Must have 501 status
- Visa® Debit Card available
- Itemized monthly statements
- FREE Online Banking
- Bill Pay available upon request
- Monitor your accounts with Notifi Alerts
- Mobile App is available for download via the App Store or Google Play
There is no monthly service fee with this account.
*Items are defined as checks written on, or withdrawals made from the account; deposits made to the account; each check written within a deposit. Monthly transaction volumes in excess of 750 individual items will be charged at $.50 per item. Service charges resulting from transaction volumes are posted on the 15th of the following month and reflected on the monthly account statement.
Disclaimer: Products may vary by region.
Disclosures will be provided at account opening.
Control, Low Costs, and Easy Access
You need an account that works hard for you. We focus on giving you what matters most: control, low costs, and easy access. This is the best way to manage your business finances.
Key Benefits:
- Mobile First: Use our powerful mobile app to deposit checks, check balances, and transfer funds between accounts right from your phone.
- Stay Informed: Monitor your balances and get instant updates with Notifi Alerts.
- Easy Tracking: Get clear, itemized monthly statements and free online banking to make tax time simple.
- Personal Support: If you have a question, you can call us or walk in and you talk to a friendly expert who knows your name.
Quick Answers to Your Business Banking Questions
What is an "earnings credit" and how does it help my business?
An earnings credit is our way of giving you money back. Our unique earnings credit helps lower your monthly fees when you keep a higher average balance.
How do I manage my checking account from my phone?
Our mobile app lets you do so much! You can easily transfer funds between accounts, view electronic statements, manage your debit card, and set up Bill Pay right from your phone.
How do I get set up to accept credit cards?
We offer merchant processing to make it easy for your business to accept credit cards. Simply talk to one of our business banking experts when you open your account, and we can help you get started.
