Choosing the Right Business Checking Account

Why Choosing the Correct Business Account Matters

A business checking account is one of the most important tools for managing your business's finances. Whether you're making deposits, paying bills, or keeping track of everyday expenses, having the right account can make banking easier. Taking the time to compare account features, fees, and services can help you choose an account that fits your business today and continues to support it as it grows.

Which Business Checking Account Is Right for You?

Every business operates differently, which is why Citizens State Bank offers both Business Checking and Business NOW Checking:

Business Checking

Online & mobile banking
Mobile check deposit & bill pay
Free¹ Visa® Business Debit Card
Merchant services
Cash management solutions
Personalized local service
Available to all business entity types

Business NOW Checking*

Earn interest on qualifying balances
No transaction limits
$10 monthly service fee (waived with a $1,500 minimum balance)
Online & mobile banking
Mobile check deposit & bill pay
Free¹ Visa® Business Debit Card
Merchant services
Cash management solutions
Personalized local service

No matter which account you choose, you'll receive the personalized service, local expertise, and modern banking solutions that Citizens State Bank is known for.

What Sets CSB Apart?

When researching business checking accounts, you'll likely compare local banks with larger national institutions. While many large banks offer a variety of business accounts, they often include higher monthly maintenance fees, transaction limits, or balance requirements to avoid service charges.

At Citizens State Bank, we believe business banking should be simple, reliable, and tailored to your business. Both of our business checking accounts include valuable services such as:

Online & mobile banking
Mobile check deposit
Business debit cards
Merchant services
Cash management solutions
Local lending decisions
Personalized customer service from experienced local bankers

Instead of calling a customer service center, you'll have direct access to bankers who understand your business and are committed to helping you succeed.

The Benefits of Banking Local

When you bank with a community bank, you're choosing a team that's invested in your success. At Citizens State Bank, our local bankers take the time to learn about your business, so they can recommend the products and services that best fit your needs. Whether you're opening your first business checking account, looking for an interest-bearing account, exploring financing options, or adding merchant services and cash management tools, our experienced staff is here to guide you in every step of the way.

Explore Your Options

Business NOW Fee Details and Disclosures

*Business NOW eligibility is limited to sole proprietors, nonprofit corporations, unincorporated associations and IOLTA accounts.

Rate Information: This Account is an interest-bearing account. The interest rate and APY may change at our discretion no more than weekly. Interest begins to accrue on the business day of your deposit. Interest will be compounded and credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. If this account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the Texas Equal Access to Justice Foundation.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1,500.00 to open this account.

¹Visa Debit cards are subject to a $5 replacement fee. Non CSB ATMs may impose additional fees and surcharges. You may also be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.

Back to All Articles