Business Checking

Checks don’t vary much from bank to bank, but people do.

Keeping up in today’s complex business environment demands flexibility, vision and a financial partner that will be with you for the long term. No matter what your business needs, we are dedicated to providing you with the guidance, support, and tools you need to achieve your financial success.

Basic Business Checking

Business Advantage Checking

An annual earnings credit is applied against the total service charges based on the average collected balance maintained in the account during the month. An uncollected funds charge is assessed for the use of uncollected funds. 1) Any excess earnings credit is paid to your account as interest. 2) In the event your earnings credit exceeds your account analysis service charge no charges will be assessed for account activity. Any earnings credit balance is not paid or carried over. The $5.00 monthly service charge will still apply. 3) Account analysis service charges will apply if your account activity exceeds 200 checks written, 30 deposits, or 200 ACH items or other debit/credit items per month or 200 items in your deposits per month.

Americana Community Bank makes it easy to open your business account.  To begin, gather the following items for each signer and also for each Beneficial Owner and Control Individual*:

• Valid Current Photo ID
• Social Security Number or Tax ID Number

Depending upon the type of business account you want to open, please provide the following items as well:

SOLE PROPRIETOR ACCOUNT

• Certificate of Assumed Name (if applicable)

CORPORATION ACCOUNT

• Certificate of Assumed Name (if applicable)
• Articles of Incorporation and By-Laws
• Corporate Resolution to Open Account (if available)

PARTNERSHIP ACCOUNT

• Partnership Agreement
• Certificate of Assumed Name (if applicable)
• Partnership Resolution to Open Account (if available)

NON-BUSINESS (NON-PROFIT) ORGANIZATION ACCOUNT

• Proof of Tax-exempt Status (if applicable)
• Articles of Incorporation (for Incorporated Associations)
• Copy of By-Laws
• Association Resolution to Open Account (if available)

LIMITED LIABILITY COMPANY ACCOUNT

• Certificate of Assumed Name (if applicable)
• Articles of Organization
• Resolution to Open Account (if available)

LIMITED LIABILITY PARTNERSHIP ACCOUNT

• Partnership Agreement
• Certificate of Registration as LLP
• Partnership Resolution to Open Account (if available)

*Beneficial Ownership and Control Individual status applies to accounts opened for Corporations, LLCs, Limited Partnerships, Business Trusts, and other business entities registered under the Secretary of State.  All persons owning 25% or more of these businesses are considered Beneficial Owners and must provide the listed information.  One person considered to have significant responsibility to control the business must also provide information.  Beneficial Owners and Control Individuals do not need to appear in person or provide original documents.  

Business Savings

If you’d like your savings to grow faster, turn to Americana Community Bank. As your balance grows, so does the interest you earn. Call us for current rates and account details.