Business Checking Comparison Chart
Business Checking Comparison Chart
Checking Features |
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|---|---|---|---|---|
Ideal for: |
Small- to medium-sized businesses with high checking activity |
Small businesses with moderate checking activity |
Businesses with higher transaction activity and or utilizes Cash Management services |
Sole proprietors, fiduciaries, certain non-profit organizations |
Minimum Opening Deposit |
$0 |
$0 |
Varies |
$750 |
Minimum Balance |
$10,000 minimum combined balance in qualifying deposit accounts |
None |
None |
$1,500 |
Monthly Service Charge |
$20 (if minimum combined balance is not maintained) |
None |
$12.50 monthly maintenance fee plus other fees (Earnings credit allowance may offset fees) |
$9 |
Interest Earning |
No |
No |
No |
Interest compounded daily and paid monthly |
Statements Issued |
Monthly |
Monthly1 |
Monthly |
Monthly |
Other Features |
First 325 items processed at no cost per statement period2 |
First 100 items processed at no cost per statement period2 |
An earnings credit allowance is calculated each statement period and used to offset applicable account analysis and Cash Management fees |
First 100 items processed at no cost per statement period2 |
Benefits |
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|---|---|---|---|---|
Business Debit MasterCard® |
Free,with MasterCard Easy Savings® program |
Free,with MasterCard Easy Savings® program |
Free,with MasterCard Easy Savings® program |
Free,with MasterCard Easy Savings® program |
ATM Access |
No CPB ATM transaction fees when you use any ATM worldwide3 ATM surcharge rebate when you use any ATM in Hawaii and on the mainland3,5 |
No CPB ATM transaction fees when you use CPB ATMs3,4 |
No CPB ATM transaction fees when you use CPB ATMs3,4 |
No CPB ATM transaction fees when you use CPB ATMs3,4 |
Checks and Deposit Slips |
$50 off one check order every year6 $25 off one deposit slip order every year6 |
$25 off your first order of checks or deposit slips6 |
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Other Benefits |
No Incoming Wire Transfer fees Waived or discounted application fee on select business loans and lines of credit7 |
No Incoming Wire Transfer fees Waived or discounted application fee on a Business ExpressLine of Credit8 |
Enhancements |
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|---|---|---|---|---|
Business Online Banking with Unlimited Bill Pay |
No Charge |
No Charge |
N/A |
No Charge |
Business Online Banking with ACH |
No Charge |
$.50 per ACH Transaction |
Refer to iBusiness Central |
$.50 per ACH Transaction |
iBusiness Central (Commercial Online Banking) |
N/A |
N/A |
Available |
N/A |
Infoline Telephone Banking |
Free |
Free |
Free |
Free |
2. Qualifying accounts must be in the name of the business.
3. Non-CPB ATMs may impose surcharges that are separate from and in addition to our Non-CPB ATM Transaction Fees and should disclose their surcharge fee at the beginning of the transaction.
4. Transactions made at non-CPB ATMs are subject to our Non-CPB ATM Transaction Fees.
5. We will reimburse you up to $4 per transaction for ATM surcharges from other banks and ATM operators incurred on your Business Exceptional Checking account for ATM usage nationwide.
6. Place order at branch for discount.
7. On approved credit. Waived up to $125 for all scored business credit products - Business Express Loan, Business Express Line of Credit, Professional Express Line or Professional Express Loan.
8. On approved credit. Waived up to $125 for one Business Express Line of Credit.