BCSB Business Banking: Checking

Open a BCSB Business Checking account based on the size of your business and the amount of your account activity.

Business Banking Checking accounts for small businesses, preferred small businesses, and commercial accounts do not earn interest and there’s no minimum balance to maintain. There is a $25.00 minimum deposit to open an account. See the table below for account fees and features.

Business Banking Checking accounts for sole proprietors and non-profit organizations may choose an interest earning checking account. A minimum balance of $250 is required to earn interest and avoid a monthly service fee. Contact an account representative for more details.

Take advantage of these great new business services from BCSB:

Business Overdraft Protection
Business customers can apply for a line of credit attached to a business checking account. An overdraft will activate the line of credit for the exact amount needed for the check to clear, up to the approved credit limit.

Business Online Banking with BillPay
Expedite and simplify your business banking with the convenience of online banking. For just $8 per month for small business customers and $12 per month for commercial accounts, you can obtain balance and account information, transfer funds between accounts and pay bills quickly and easily.

Business Bonus Rewards VISA Check Card
The convenience of a no-fee debit card coupled with a great selection of rewards make the BCSB business debit card a win-win for you and your business. Earn one point for every two dollars you spend and redeem your rewards with as few as 1,500 points.
Click here to see the great rewards offered or to redeem rewards.

Verified by VISA
Give yourself and your business an extra layer of security for online transactions when you register with Verified by Visa. By registering and selecting a password, you ensure that even if your VISA card is stolen or copied it cannot be used without knowing your password.
Register for free today.

Call 410-256-5000 or click here to have an account representative contact you.

Account Fees and Features effective September 4, 2008

Fees and terms are subject to change without notice.

	Small Business	Preferred Small Business2	Commercial Accounts
Monthly Maintenance Fee	$7.00/mo.	$5.00/mo.	$10.00/mo.
Deposit Fee1	$0.20/deposit	$0.10/deposit	$0.10/deposit
Deposit Items & Checks Paid1	$0.20/item	$0.10/item	$0.10/item
	First 200/month free	First 250/month free	First 500/month free
Cash Deposited/Provided	$0.50/strap		$0.50/strap
	$1.00 loose (per 100 bills, min. $1.00)		$1.00 loose (per 100 bills, min. $1.00)
Coin Deposited/Provided	$0.10/roll		$0.10/roll
	$0.50 loose (per $10 in coin, min. $0.50)		$0.50 loose (per $10 in coin, min. $0.50)
Other Features & Services	Earnings credit that can be carried over month to month but must be used by last day of the year	Earnings credit that can be carried over month to month but must be used by last day of the year	Earnings credit that can be carried over month to month but must be used by last day of the year
	Commercial account analysis statement	Commercial account analysis statement	Commercial account analysis statement
	Merchant credit card receipt processing	Merchant credit card receipt processing	Merchant credit card receipt processing
	ACH for payroll administration and other type repetitive transactions	ACH for payroll administration and other type repetitive transactions	ACH for payroll administration and other type repetitive transactions
		Account statements provided as of the last business day of the month	Account statements provided as of the last business day of the month

¹Deposit fee and checks paid include over the counter and ACH.

² Preferred small business customers are those who have other deposit and/or loan products with BCSB including but not limited to personal accounts of the business owner, the owner’s immediate family and employees.

Click here for important Business Checking account information.