Business Checking | CNB St. Louis Bank

We're here for your banking moments, big and small.

Our business checking accounts are designed for a range of organizations, including sole proprietors, partnerships, limited liability companies (LLCs), corporations, and other non-personal entities.

We offer several account options to support different business structures and operating needs. Whether your business is newly established or more established, having the right account structure in place can support how you manage finances and plan for what's next.

Compare Business Checking Accounts

Accounts	Minimum to Open	Monthly Maintenance	Transactions	Earnings Allowance to Offset Fees?
Start-Up Business Checking	$100.00	$10.00* _{*waived with an average monthly balance of > $250}	10 per statement cycle, $0.40 per excess item	NO
Essential Business Checking	$100.00	$20.00* _{*waived with an average monthly balance of > $1,000.00}	150 per statement cycle, $0.40 per excess item	NO
Commercial Analysis Checking	$100.00	$20.00	$0.20 Debits $0.50 Credits $0.20 ACH Debits/Credits $0.15 Deposited Items
Not-for-Profit Checking	$100.00	$6.00* _{*waived with a minimum daily balance >$500.00}	unlimited	NO

Your Business Checking Account Options with CNB St. Louis Bank

Start-Up Business Checking

Our start-up business checking account is designed for businesses that are just getting started or established businesses with minimal transactional needs. A version of our Essential Business Checking, this account comes with a lower balance requirement, lower monthly fee, and fewer free transactions. Start here and step up to Essential whenever your business needs change!

$100.00 to open account
Maintain an average monthly balance of $250.00 or greater in order to avoid a $10.00 monthly maintenance fee
10 free items process per month/statement cycle
$0.40 fee per excess item
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to a wide array of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

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

Essential Business Checking (Formerly Small Business Checking Account)

Our essential business checking account is designed to simplify daily financial transactions.

$100.00 to open an account
Maintain an average monthly balance of $1,000.00 or greater in order to avoid a $20.00 monthly maintenance fee
150 free items processed per month/statement cycle
$0.40 fee per excess item
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to a wide array of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

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

Commercial Analysis Checking

Designed to accommodate a high volume of transactions and/or sophisticated cash management needs, our Commercial Analysis Checking account is scalable to your business. As your business grows, so too does your account.

Analyzed Business Checking for high-volume account activity that can use earnings allowance* to offset fees for banking services
Monthly Account Maintenance: $20.00
Debits: $0.20 Credits: $0.50 ACH Debits/Credits: $0.20 Deposited Items: $0.15
Online and Mobile Account Access (View Only) for an unlimited number of accounts and users
Access to the full suite of Treasury Management Services to monitor and control, receive payments, and send payments
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

*Earnings allowance is earned on the collected balance less reserves at an annual rate. Earnings allowances can be used to offset service fees. Contact us for the current earnings allowance rate.

Not-for-Profit Checking

We understand that money is a critical part of what you do so we built an account just for you.

$500.00 minimum daily balance required to avoid $6.00 monthly maintenance fee
Online Account Access and Online Bill Pay
MasterCard Business Check Card with no annual fee
Sign up for eStatements to avoid the $5.00 monthly charge for statements mailed

Learn more about our Banking Solutions for Nonprofits

FAQs

Which type of bank account works for LLCs? +

Which type of account meets an LLC's needs depends on a variety of factors. Contact us today to determine which account is the right choice for your business banking needs.

How do I open a business checking account with CNB St. Louis Bank? +

CNB St. Louis Bank is here for your banking moments. It's why we offer business checking accounts that can suit the needs of a wide variety of qualifying business owners, all with free online banking and mobile app access and a free business debit card.

Our business checking account opening requirements and associated fees may include the following:

Necessary documents: EIN; SSN or ITIN; proof of address; and business formation documents or DBA certifications.
Minimum balance requirements: $100 opening deposit. Average daily balances or monthly balances may be required for some accounts.
Monthly maintenance fees: Monthly account maintenance fees (may be waived for certain account balances).
Transaction fees: Fees may apply for exceeding transaction limits per statement cycle.
Other fees: Direct mail statements (enroll in eStatements to waive this fee).

Contact CNB St. Louis Bank today to open a new account or determine which account is right for your business.

How do I replace my debit card? +

To request a new business debit card:

What do I need to bring to open a small business bank account? +

When opening a business banking account with CNB St. Louis Bank, we will ask you to provide the following:

EIN (Employer Identification Number)
SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number)
Proof of Address
Business Formation Documents or DBA (Doing Business As) Certifications

What fees can I expect with a business checking account? +

Fees associated with CNB St. Louis Bank 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)
Overdraft fees
See our schedule of fees

Are your checking accounts FDIC-insured? +

Yes! CNB St. Louis Bank is a member of the FDIC (Federal Deposit Insurance Corporation).

FDIC insurance protects eligible deposit accounts held at the bank, subject to applicable ownership categories and insurance limits.

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.