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At CNB St. Louis Bank, we're the local partner helping St. Louis businesses build what's next. With in-person and digital business banking services, you can view accounts, establish recurring transfers, pay bills in a few short clicks, originate ACH transactions, and more.

Business Banking Services, Designed for You.

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Bank

Whether you are a small business, or a large corporation, CNB St. Louis Bank has a business checking account solution for you.
 
Learn More about Business Checking Accounts
Whether you are just starting out or saving for something specific, make the most of your money.
 
Learn More about Business Savings Accounts
Certificates of Deposit, or CDs, are a convenient savings option.  Earn a rate that's usually higher than a savings account on funds you can set aside for a fixed period of time.
Our business money market accounts are a smart way to earn more on your savings while
providing easy access to your account.
 
Learn More about Business Money Market Accounts











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Borrow

Our commercial banking team members are Capital Catalysts, and they are ready to help you through all aspects of your business banking needs.  From financing options to fraud prevention tools, we have the expertise to help your business thrive. 

Meet Our Capital Catalysts

We offer custom financing solutions for business owners and real estate investors. Here we highlight some of the recent commercial loan closings, including the unique goals of the borrower, the challenges of the transaction, and the final financing solution we provided.

Whether you are a business owner looking at the benefits of owning your building or a real estate investor looking to expand your portfolio, CNB provides the support you need to make commercial property ownership a reality.

A line of credit provides flexible, short-term financing for the expected and the unexpected.  Having one in place before your business needs it is key.  Talk to one of our lenders today to learn more.
 
CNB St. Louis Bank offers a wide array of products and services to assist developers, investors and owners in acquiring, developing, building, managing, and permanently financing most commercial property types.
 
Our commercial banking professionals in government-guaranteed lending can help you select from a variety of attractive financing solutions on loan programs from $50,000 and up.
 
Your company is growing. You need to expand your capacity. Your equipment is at the end of life, or perhaps you need an upgrade.  Whatever the reason, CNB St. Louis Bank can help you finance the tools you need to sustain your company's growth.
 
Does your business have unique needs?  Our experienced commercial banking professionals can customize winning business solutions for your lending needs.
 







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Manage Cash

We're ready to support your financial needs so you can focus on growing your business.


Enjoy 24-7 access to your business accounts through convenient online banking access from any desktop or mobile device.

Learn More about Business Online & Mobile Banking

Make the complex simple with our online platform. Manage complex deposit flows from multiple customers, clients, or members with ease.

Learn more about Commercial Escrow Solutions

Deter check fraud and protect your business by adding positive pay to your account.  Our automated system helps ensure only the checks you've issued are authorized for payment.

Separate a master account into subaccounts through our online platform to gain visibility, control, and peace of mind.

CNB St. Louis Bank's convenient DepositScan technology offers business account holders the ability to make deposits without leaving the office.  

Accept credit cards and offer your customers the convenience and security of chip card technology and digital wallets for payment.
 
Lockbox services help streamline your accounts receivables and process incoming payments.

Enjoy the convenience and control  of sending and receiving electronic payments  with CNB's online ACH origination tool.

Businesses that frequently send and receive wire transfers can benefit from the convenience, real-time notifications, and reduced cost of online wire transfers.

Debit cards, credit cards, reloadable payroll cards and more at your fingertips with credit card solutions from CNB St. Louis Bank.
 

CNB RentManager, powered by zRent, helps landlords and property managers manage rent collection and condo dues.

Learn More about RentManager




Business Banking FAQs

What bank account is best for an LLC?

Which type of account is best for your LLC depends on a variety of factors. Contact us today to determine which account is the right choice for your business.

Why open a business bank account?

Opening a business bank account helps you separate personal and business finances, fulfill tax obligations, and reduce personal liability.

What do I need to open a business bank account?

To open a business checking account with CNB St. Louis Bank, you'll typically need

  • Employer Identification Number (EIN), or Social Security Number (SSN) / Individual Taxpayer Identification Number (ITIN)
  • Basic information for each business owner or authorized signer
  • A valid form of identification
  • Proof of address
  • Business formation or registration documents (requirements vary based on your business structure)
Additional documentation may be required depending on your business type and ownership structure. Our team will guide you through the process and confirm exactly what’s needed.

Learn More About Our Business Checking Accounts

How do I open a business checking account?

Contact us today to open an account or to determine which account is the right one for your business.

Learn More About Our Business Checking Accounts

How do I sign up for online banking?

You can start our Online Banking Enrollment process here.

Can I meet with someone in person if I need to?

Yes! At CNB St. Louis Bank, we pride ourselves on our outstanding customer service. Our team is ready to meet with you where you're at, whether that be online, by phone, or in person.

What fees are typically associated with business bank accounts?

Fees associated with our business checking accounts may include:

  • Monthly maintenance fees

  • Minimum balances

  • Transaction fees on excess items (per statement cycle)

  • Fees for mailed statements (waived with eStatements)

What are the benefits of a business savings account?

A business savings account at an FDIC-insured financial institution can help you:

  • Create a financial safety net

  • Manage your tax obligations

  • Mitigate personal liability risks

  • Earn interest

What documents are required to apply for a business loan?

When applying for a business loan with CNB St. Louis Bank, you’ll typically be asked to provide:

  • Personal and business tax returns
  • Financial statements (such as profit and loss statements, balance sheets, or cash flow statements)
  • Basic business information and legal formation documents
  • Identification for business owners Information about your debts, assets, or collateral
Additional documentation may be required depending on your business type, loan purpose, and ownership structure. Our team will guide you through the process and confirm exactly what’s needed.
 

Disclaimers: Business banking products and services are subject to approval. Terms, conditions, and fees may change. Please contact a CNB St. Louis Bank representative for current account details and eligibility requirements.


Fast, Convenient, and Secure

Pay Bills Online
with Ease
 

CNB Named Best Bank

by St. Louis Small
Business Monthly
 

Business Banking Made Simple

We help St. Louis companies navigate growth, change, and everything in between.