Business Checking & Savings
Let's get down to business.
Accounts and services designed to grow with you.
All business checking and savings accounts come with:
Electronic Statements,
Instant Issue Debit Mastercard®
Online & Mobile Banking
Accounting Software Compatibility
Business Checking & Savings Account
At Happy State Bank, a division of Centennial Bank, we have many account options to choose from. That’s why we provide you with options on finding the perfect account for your needs.
| Product | Business Checking | Commercial Checking | Star Rate Commercial | Business Savings |
|---|---|---|---|---|
| Opening Deposit | $100 | $100 | $100 | $100 |
| Monthly Service Fee | $10 monthly service charge if account falls below $0 during statement cycle | Monthly charge and item charge may be offset by earnings credit through monthly account analysis | Analyzed | $100 minimum balance per month to avoid $3 monthly service charge |
| Interest | N/A | Earnings Offset | Tiered Interest | No interest tiers |
| Activity or Limits | 375 items per month free, $.40 per items in excess of 375 per month | $500 overdraft limit - no tiered limits | $500 overdraft limit - no tiered limits | No overdraft limit available |
| Statements | Free eStatements - paper statements $10/month | Free eStatements - paper statements $10/month | Free eStatements - paper statements $10/month | Free eStatements - paper statements $10/month |
| Checks | Yes | Yes | Yes | No |
| Debit Cards | Yes | Yes | Yes | No |
Added Account Perks
Entitlements
Give others the ability to manage your accounts.
Mobile Deposit
Deposit checks on the go through our dedicated business mobile app.
Reporting Tools
Access detailed reports to monitor activity, cash flow and more.
Savings options that serve your business needs.
Higher Interest
Business Money Market
Earn higher interest with flexibility.
- $100 minimum opening balance
- $2,500 minimum daily balance per statement cycle (if balance falls below $2,500 on any day during the statement cycle a $10 service charge will apply)
- Earns interest
- $10 charge for each withdrawal over six per month
Guaranteed Return
Certificates of Deposit
Safely grow savings with CDs (certificates of deposit).
- Open with as little as $1,000
- Terms 6 months to 5 years
- Guaranteed return
Cash Management Solutions
All the tools you need to help you grow your business
Information Reporting
Real-time business banking at your fingertips and on your schedule.
Receivables & Payables
Convert deposits into cash and automate the payment process.
Fraud Prevention
Safeguard transactions and minimize risk.
Liquidity Management
Maximize earnings on excess funds.
Disclosures
Get the best accounts for your business.
Happy State Bank, a division of Centennial Bank, has several tools and resources to keep your business on track.
