Checking That Means Business
Choose from three smart checking options tailored for businesses of all shapes and sizes.
Compare Business Accounts
Totally Free Business Checking
A straightforward checking account with minimal fees and requirements.
Get StartedBusiness Interest Checking
Great for businesses looking to earn more from their higher account balances.
Get StartedCommercial Checking
Ideal for high-volume businesses needing flexible, fee-offsetting options.
Get Started
Features | Totally Free Business Checking | Business Interest Checking | Commercial Checking |
|---|---|---|---|
| Free Transactions (Monthly) | 1,000 | 1,000 | None (10¢ per item) |
| Monthly Service Charge | $0 | $6 | $15 |
| Earns Interest | No | Yes | No |
| Minimum Balance Requirement | None | $1,500 to waive service charge | None |
| Currency Deposit Limit (Monthly) | $10,000 FREE | $10,000 FREE | None |
| Get Started | Get Started | Get Started |
| Free Transactions (Monthly) | 1,000 |
|---|---|
| Monthly Service Charge | $0 |
| Earns Interest | No |
| Minimum Balance Requirement | None |
| Currency Deposit Limit (Monthly) | $10,000 FREE |
| Free Transactions (Monthly) | 1,000 |
|---|---|
| Monthly Service Charge | $6 |
| Earns Interest | Yes |
| Minimum Balance Requirement | $1,500 to waive service charge |
| Currency Deposit Limit (Monthly) | $10,000 FREE |
| Free Transactions (Monthly) | None (10¢ per item) |
|---|---|
| Monthly Service Charge | $15 |
| Earns Interest | No |
| Minimum Balance Requirement | None |
| Currency Deposit Limit (Monthly) | None |
Serving Every Kind of Business
Experts Who Get Your Business
Our team works with businesses like yours every day, offering guidance, fast answers, and long-term support from people who live and work in your community.
Have Questions? We’re Here to Help.
Whether you need answers, guidance, or just a friendly voice, we’re ready when you are.
Frequently Asked Questions
- Sole Proprietor: SSN or TIN of owner
- LLC: TIN, Articles of Organization, Operating Agreement, Certificate of Good Standing
- Corporation: TIN, Articles of Incorporation, Banking Resolution, Certificate of Good Standing
- Not-for-Profit: TIN and either IRS documentation or incorporation paperwork
- Partnership: TIN, Partnership Agreement, Certificate of Partnership
That depends on how your business operates. Totally Free Business Checking is ideal if you want to avoid monthly fees. If you keep a higher balance and want to earn interest, Business Interest Checking might be a better fit. Larger businesses with more transactions may benefit from Commercial Checking.
Still unsure? Our business banking experts are here to help you choose the best option.Business Banking Solutions
From accepting payments to expanding your business, NSB offers solutions that support every step of your growth.
Merchant Services
Accept card payments in-store, online, and on the go with tools that simplify sales and support your operations.
Ag & Business Loans
Finance equipment, property, and expansion with loan options tailored to local businesses and agricultural operations.
Business Credit Cards
Manage business expenses and earn rewards with flexible credit card options designed for everyday business needs.
Photo credit to Lori Klein, “First Cut”
Photo credit to Shelley A. Pandorf, “Bins at Sunrise”
