Business Banking Quick Links
Business Checking
Secure 21st Business Checking​
One of the first steps to getting your business finances set up is to set up your business bank account. 21st Century Bank makes business checking simple and convenient with three flexible options tailored to meet your needs – whether you’re a startup, a seasoned small business, or a mid-sized corporation.
When you choose business banking at 21st Century Bank, know that we are FDIC-insured and you can access your account online 24-7 or in-person during regular hours at any one of our locations.
We invite you to contact our Business Banking Team to learn more about our business banking services.
Business Checking Account Types​
Establish an account for business-related deposits and withdrawals. With three types of checking accounts available to our business banking clients, you get just what you need to suit your company and its growth.
This is also important for security. When using a business account for transactions, may come with a potential for fraudulent activity or identity theft. If you have a dedicated business account, you can limit the damage to that account alone.
This is also important for security. When using a business account for transactions, may come with a potential for fraudulent activity or identity theft. If you have a dedicated business account, you can limit the damage to that account alone.
| 21st Commercial Checking | 21st Business Checking | 21st Non-Profit Checking | |
|---|---|---|---|
| Key Benefits | |||
| Minimum Balance | No Minimum Balance | $500.00 Minimum Balance | $500.00 Minimum Balance or $5,000.00 combined balance of additional non-profit accounts |
| Opening Deposit | $100.00 | $100.00 | $100.00 |
| Activity Charges | $0.25 per deposit $0.15 per debit/check $0.10 per check deposited | 25 free deposits per month ($0.25 per deposit over 25) 50 free debits/checks per month ($0.25 per debit/check over 50) 50 free checks deposited per month ($0.10 per check over 50) | |
| Service Fees | $12.00 Monthly Service Fee | $10.00 monthly service fee per month if minimum balance is not maintained any day of the month | $5.00 service fee per month if minimum balance or combined balance is not maintained any day of the month and $0.35 per debit fee over 10 debits/checks per month |
| Monthly Statements | Free monthly e-statement with check images ($6.95 per month for paper statement) | Free monthly e-statement with check images ($6.95 per month for paper statement) | Free monthly e-statement with check images ($6.95 per month for paper statement) |
| Other Features | Earnings credit applied towards service fee and activity charges Uncollected funds usage charge set at the highest Wall Street Journal Prime Rate +2% (adjusted daily) | For current rate information, please contact an office near you. Please note that your interest rate and annual percentage yield may change, and we reserve the right to change the interest rate on your account weekly. Interest compounded daily and paid monthly | |
Key Benefits
- No Minimum Balance
- $100.00 Opening Deposit
- Activity Charges: $0.25 per deposit; $0.15 per debit/check; $0.10 per check deposited
- $12.00 Monthly Service Fee
- Free monthly e-statement with check images ($6.95 per month for paper statement)
- Earnings credit applied toward service fee and activity charges
- Uncollected funds usage charge set at the highest Wall Street Journal Prime Rate +2% (adjusted daily)
Key Benefits
- $500.00 Minimum Balance
- $100.00 Opening Deposit
- Activity Charges: 25 free deposits per month ($0.25 per deposit over 25); 50 free debits/checks per month ($0.25 per debit/check over 50); 50 free credits/checks deposited per month ($0.25 per credit/check over 50)
- $10.00 Monthly service fee per month if minimum balance is not maintained any day of the month
- Free monthly e-statement with check images ($6.95 per month for paper statement)
Key Benefits
- $500.00 Minimum Balance
- $100.00 Opening Deposit
- Free monthly e-statement with check images ($6.95 per month for paper statement)
- $500.00 minimum balance or $5,000.00 combined balance of additional non-profit accounts1
- Tiered interest rates
- Interest compounded daily and paid monthly
- For current rate information, please call an office near you
1 ($5.00 service fee per month if minimum balance or combined balance is not maintained any day of the month and $0.35 per debit fee over 10 debits/checks per month)
Learn More About Our Business Banking
Expert Support for the Growth of Your Business
Learn more about the tailored business development services we offer to fit your Twin Cities area business banking needs. Whether you need to set up a business checking account, business savings account, or create a Commercial Money Market account, our friendly, knowledgeable 21st Century Bank team is here to help.
"I'm most grateful for the opportunity to interact with a person and feel like the person cares. It’s not just one individual that we’ve gotten it from, but the whole team. We just want them to know that we’re grateful because their work is impactful".​
