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Checking Accounts

Business Checking Accounts

We realize that there’s no “one size fits all” when it comes to business.  That’s why we offer a variety of business accounts.  All of our checking accounts include these special features:

  • Free 24/7 Telephone Banking access.  Call BETH at (405) 789-2572.
  • Free Inquiry only Internet Banking access.
  • 15 FREE bill payments1 per month – only $0.50 each payment over 15.
  • OOPS overdraft protection available.  $5.00 fee charged to protected account per transfer.  Transfers in $100.00 increments.  Insufficient funds charges apply.

Select one that’s right for you!


Customer Identification Requirements

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


Free Small Business

Designed for small businesses, clubs and non-profit organizations that will have fewer than 300 transactions2 a month. Not available for companies with significant currency or coin volume. For more info, click here.



Designed for companies that need unlimited check writing and maintaining a high enough collected balance to warrant an earnings credit that may offset service charges. Sweep Accounts are available through Retail Repurchase Accounts. For more info, click here.


NOW Business / NOW IOLTA

Our NOW Business / NOW IOLTA account combines liberal check writing privileges and interest earnings for sole proprietorships, nonprofit organizations and certain other entities. You can receive interest and benefit from low service charges. For more info, click here.


Money Market / Gold Money Market

Designed for businesses who wish to combine a competitive earnings rate with the liquidity and access they need (by check, ATM or Online Banking) to run their businesses. For more info, click here.

AccountDeposit RequirementsMinimum Balance RequirementsMonthly Statements
Combined statements available
Interest5 / Earnings CreditMonthly Service Charge
Based on the collected balance, an earnings credit and the account activity fees.
Free Small Business $200.00 min. opening deposit None Monthly Statements
Secure e-Statements available
None Free
Per transaction2 over 200 - $0.45
Commercial3 $500.00 min. opening deposit See Earnings Credit – based on bank’s interest rate index Monthly Statements
Secure e-Statements available
An earnings credit is applied to average collected balances over $1,000.00. Account Maintenance Fee With Images - $7.00 Without Images $4.00
Per debit6/credit - $0.15 Per deposited item - $0.10
NOW Business / IOLTA $1,500.00 min. opening deposit
$1.00 min. opening deposit Enrollment form must be submitted to the Oklahoma Bar Foundation
$1,500.00 Daily
Monthly Statements
Secure e-Statements available
Tiered Rates
$1,500.00—$9,999.99 - NOW
$1.00—$9,999.99 - IOLTA
$10,000.00—$24,999.99 -BOTH
$25,000.00 & Over - BOTH
$10.00 if daily balance falls below $1,500.00.
Money Market $2,500.00 min. opening deposit $2,500.00 Daily Monthly Statements
Secure e-Statements available
Tiered Rates
$2,500.00 & Over
$10.00 if daily balance falls below $2,500.00
Per Check/debit2 over 6 per statement cycle3 - $1.00
Gold Money Market $25,000.00 min. opening deposit $2,500.00 Daily Monthly Statements
Secure e-Statements available
$25,000.00—$49,999.99 $50,000.00 & Over ACTIVITY FEES
Per check/debit6 over 6 per statement cycle7 - $1.00

1Effective 30 days after account is opened & qualified.

2Transactions include all debits, credits & deposited items including electronic, except bank-related fees &/or service charges.

3One or more accounts balances can be combined with a designated commercial account for Commercial Account Analysis.

4An IOLTA account is for attorneys that elect to place trust or escrow funds in an interest bearing account and have the interest set aside and sent to the Oklahoma Bar Foundation monthly.

5Interest on checking accounts is compounded and credited monthly based on tiers. The interest rate and annual percentage yield may change at any time. There are no maximum or minimum interest rate limits. Accrued interest will not be credited if account has closed.

6Debits are any withdrawals made from the account except bank-related fees &/or service charges.

7The number of withdrawals and/or transfers from this type of account may be subject to fees. During each statement cycle, a $1.00 fee may be assessed if six (6) or more withdrawals or transfers are made to another bank account of yours or to a third party by means of pre-authorized, automatic, telephone or electronic transaction. The bank requires proper identification for each withdrawal.