Minimum Monthly Balance: Some business accounts are how to choose a business checking account to a minimum monthly balance requirement instead of, or in addition to, transaction volume. If the funds in your account drop below this minimum balance, monthly fees will kick in. Choose this type of account if you are likely to keep the required minimum monthly balance in your account, or if the fees are reasonable for your needs.

Large Deposit volumes: If your business accepts large numbers of checks a month, talk to your banker about the convenience of Remote Deposit Capture. If your business is cash intensive, you may incur fees for cash handling, so ask that question also.

Online Access: Make sure your bank can set you up for online banking for your business. You should be able to choose the online access authorities for any employees you give account access to. Check your account frequently for fraud or identity theft, and change your passwords frequently.

Importing Data to your Financial Accounting Software: If you use accounting software, like QuickBooks, ask if your bank’s online banking can import to your software. This makes your bookkeeping easier!

ACH transactions: Check to see if will be able to initiate electronic transactions through the Automated Clearing House (ACH), so you can manage direct deposits for your employees, or send payments to others in this manner. This often requires a separate approval process, so talk to your banker about having this capabilitiy.

Other factors to keep in mind:

• Be prepared with your legal entity documents when you’re ready to open your business account. LLC’s will need the Certificate of Formation. Sole Proprietor ships will need to show that they’ve registered the trade name (DBA) with the State. Corporations will need resolutions. Having these documents ready will streamline the account opening process.
• You will need your Tax Identification Number (TIN) in order to open the account as well.

With all of the options available, choosing the best small business checking account for your business can be daunting. To narrow your search, focus on the key aspects that are most important to you. Whether you prefer to conduct your banking in person or online, you’ll want to review transaction and cash deposit limitations, account fees, interest-earning potential, and additional support features of the account you’re considering. So, while you’re shopping for a business checking account, explore how each bank can help you keep more of your earnings and support you as your business grows.

We’ve selected the seven best small business checking accounts:

• Chase: Best overall for small business checking
• Capital One: Best for unlimited everyday transactions
• BlueVine: Best for earning interest on deposits
• Bank of America: Best for ongoing rewards and low cash deposit fees
• Mercury: Best for digitally based business owners
• U.S. Bank: Best for businesses with low transaction volumes
• First Internet Bank: Best for full-service online banking
• Novo: Best for free ATM usage

Chase Bank: Best Overall for Small Business Checking

Chase Bank

What We Like

• $ bonus when you open an account
• Easy to waive monthly fee
• Built-in card acceptance with QuickAccept℠ via the Chase MobileⓇ app

What's Missing

• Limited number of free transactions
• ATM fees are not reimbursed
• Fee for cash deposits of more than $5, per statement period

Additional Features

• Manage debit, deposit, and ATM card settings for individual employees
• Deposit checks, view account balances, pay bills, and make transfers through the mobile app
• Integrates with QuickBooks and other leading accounting software

Visit Chase

As one of the oldest banks in the nation, Chase maintains a reputation for prioritizing its customers’ needs. While it offers three different checking accounts, we selected Chase’s Business Complete Banking^SM account as the best fit for small businesses. It offers unlimited electronic deposits and transfers and 20 free transactions per month, all for a nominal $15 monthly maintenance fee that can be waived easily―see below under Fees & Terms. As an added perk, you can receive a $ bonus if you open a new account online or in-person and complete qualifying activities.

When to Choose Chase Business Complete Checking^SM

• You want a bank that offers a full suite of banking services
• Your banking needs include making frequent cash deposits
• You prefer the option of in-person banking

Fees & Terms

• Monthly fee: $15—waived if you meet one of how to choose a business checking account following criteria:
  • Maintain a minimum daily balance of $2,
  • Spend at least $2, in purchases―minus returns or refunds―using your Chase Ink® Business Cards
  • Deposit $2, into your Chase checking account from your QuickAccept℠ and/or other eligible Chase Merchant Services transactions at least one business day before the last day of your bank account statement period
  • Maintain a linked Chase Private Client Checking℠ account
• Transaction fee: First 20 free, then 40 cents per transaction
• Cash deposit fee: $ per $1, after you deposit $5, in a billing cycle
• ATM fee: $ per transaction at any non-Chase ATM, plus ATM operator fees
• Minimum deposit: None
• Minimum balance: None

Why We Like It

In addition to its business checking accounts, Chase offers a wide selection of business banking products—business savings accounts, credit cards, lines of credit, and point-of-sale (POS) and software solutions—making it our top choice for the best bank for small businesses. With its many product offerings, you can expand your financial relationship easily to help fulfill your financial goals. As your business scales, you can conveniently meet with a Chase representative at one of the thousands of branch locations nationwide to discuss further banking opportunities.

Capital One: Best for Unlimited First southern national bank greenville kentucky Transactions

Capital One

What We Like

• Unlimited transactions
• Easy ATM access
• Low or no monthly fee

What's Missing

• Requires $ opening deposit
• Accounts can not be opened online
• Account doesn’t earn interest

Additional Features

• Pay bills, track accounts, transfer funds, and deposit m&m stock price with the mobile app
• Integrates with Xero and other top accounting software
• Free overdraft protection when linked to another small business deposit account

Visit Capital One

Capital One is one of the few brick-and-mortar banks in the nation that doesn’t charge fees for everyday checking account transactions. With its Spark Business Basic Checking, you get unlimited deposits, withdrawals, and transfers—not including international wires, cashier’s checks, and other services—with no restrictions. However, if you make a lot of cash deposits, you’ll be charged $1 for every $1, after depositing $5, in a single month.

When to Choose Capital One Spark Business Basic Checking

• Your business is located near a Capital One branch
• Your business does a large number of transactions
• You require the ability to make large cash deposits

Fees & Terms

• Monthly service fee: $15—waived if you maintain a $2, minimum or day average balance or have two other Capital One accounts
• Transaction fee: Unlimited free transactions
• Cash deposit fee: Up to $5, per month free—$1 for every $1, after that
• ATM fee: None at more than 39, Allpoint ATMs nationwide
• Minimum deposit: $
• Minimum balance: None to maintain the account

Why We Like It

If one of your financial goals is to save funds by not paying unnecessary fees, Capital One’s Spark Business Basic Checking is a great choice. While this account does have a nominal monthly fee, it’s easy to meet the requirements to have the fee waived. This checking account is the only one on our list that offers both in-person banking as well as unlimited free transactions. It’s so easy to save on fees with this straightforward account, named one of the best business checking accounts for limited liability companies (LLCs).

Bluevine: Best for Earning Interest on Deposits

Bluevine

What We Like

• No monthly fee
• Fee-free transactions
• % annual percentage yield (APY) on balances up to $,

What's Missing

• No introductory bonus
• No physical branches
• Cannot request additional debit cards for employees

Additional Features

• Integrates with accounting software, such as QuickBooks Online, Wave, and FreshBooks
• Connects with ecommerce solutions Stripe, PayPal, and Expensify
• Live customer support

Visit BlueVine

BlueVine provides an online-only business banking platform. One of its most compelling features is its checking account that offers % APY on balances of up to $, This is one of the highest keybank secured card in the nation, with no monthly fees, penalties, or minimum balance to maintain. Check deposits can be made via the mobile app and cash is accepted at more than 90, Green Dot retail locations nationwide—a $ fee will apply to each Green Dot deposit.

When to Choose BlueVine Business Checking

• You want to earn interest on your business checking account
• You receive the majority of your funds electronically
• You occasionally need to make cash deposits

Fees & Terms

• Monthly fee: None
• Transaction fee: None—offers unlimited transactions
• ATM fee: No fees at more than 38, MoneyPass ATM locations nationwide
• Minimum initial deposit: None
• Minimum balance requirement: None
• Ongoing APY: % on balances up $, (no interest earned on balances over $,)

Why We Like It

BlueVine’s interest-bearing checking account with unlimited transactions makes it a highly desirable choice for any business owner who wants an easy-to-use, straightforward account. Its ease of use means more time to focus on your business. Without any branch locations or weekend customer support, it’s best for business owners who are comfortable using an online-only platform.

Bank of America: Best for Ongoing Rewards and Low Cash Deposit Fees

Bank of America

What We Like

• free transactions per month
• Free digital tools to track business performance
• Ongoing rewards

What's Missing

• Cash deposits fees charged per $ over monthly allowance
• Doesn’t offer ATM fee reimbursements
• Requires a $ opening deposit

Additional Features

• Deposit checks, view accounts, make transfers, and pay bills with the mobile app
• Credit card processing and payroll services through ADP
• Monitor, a cash management tool, lets you connect accounting, analytics, and payroll apps to help you make business decisions

Visit Bank of America

Bank of America’s business checking account has two settings: Business Advantage Fundamentals^TM Banking and Business Advantage Relationship Banking. As your banking needs change, you can switch from one setting to the other. The Fundamentals^TM setting includes Cash Flow Monitor®, Erica®—Bank of America’s artificial intelligence (AI)-driven virtual financial assistant—and Zelle®. The Relationship setting gives you all the same tools, plus QuickBooks integration, additional checking and savings account options, no fees for incoming wires, and more.

Both settings are eligible to enroll in Bank of America’s Preferred Rewards for Business program, which offers significant rewards and discounts for no additional fee. To qualify for this ongoing no-fee rewards program, you’ll need an active Bank of America personal checking account and a three-month combined average daily balance of $20, or more in Bank of America business deposit accounts and/or Merrill business investment accounts.

When to Choose Bank of America’s Business Checking Account

• Your business deposits large amounts of cash monthly
• You do a lot of your business banking in person
• You want to use the same bank for both your personal and business accounts

Fees & Terms

• Monthly fee:
  • Fundamentals^TM account setting: $16—waived if you meet one of the following criteria during each checking statement cycle:
    • Spend $ on new net purchases with your Bank of America business debit, credit card, or charge card
    • Maintain a $5, combined average monthly balance
    • Become a member of Preferred Rewards for Business—first four checking accounts per enrolled business
  • Relationship setting: $—waived if you how to choose a business checking account a $15, combined average monthly balance
• Transaction fee:
  • No fee for the first transactions ( transactions for the Relationship setting), then 45 cents per item
  • No excess transaction fee for automated clearing house (ACH), debit card transactions, online bill pay, electronic debits, and checks deposited through remote deposit online
• Cash deposit fee:
  • Fundamentals^TM account setting: Deposit up to $7, with no cash deposit processing fee, then 30 cents per $ per statement cycle
  • Relationship account setting: Deposit the first $20, with no cash deposit processing fee, then 30 cents per $ per statement cycle
• ATM fee: Free access to more than 16, ATMs nationwide—$ per transaction on out-of-network ATMs
• Minimum deposit: $
• Minimum balance: None

Why We Like It

Few business checking accounts offer generous rewards. With Bank of America’s Preferred Rewards for Business, you gain access to a 25% to 75% rewards bonus on credit cards, a 5% to 20% interest rate boost on savings accounts, interest rate discounts on lines of credit and other loans, no fees on select banking services, cash back on payroll service fees, and free financial analysis from a Merrill financial advisor. We selected the Business Advantage Fundamentals^TM Banking account as one of the best bank accounts for self-employed professionals.

Mercury: Best for Digitally Based Business Owners

Mercury

What We Like

• No minimum deposit to open an account
• Physical and virtual debit cards
• Access multiple business entities with a single sign-on (SSO)

What's Missing

• Accounts not available to sole proprietorships
• Lacks paper check-writing abilities
• Accounts don’t earn interest

Additional Features

• Accounts integrate with major accounting software
• Set custom user permissions for your team members
• Create auto-transfer rules for your accounts
• Integrates fully with QuickBooks and Xero accounting software

Visit Mercury

Mercury is a fully online banking platform geared towards internet-based businesses and business owners. This checking account is entirely fee-free—even domestic and international wire transfers are free. With its extensive mobile and desktop applications, you can customize permissions, request physical and virtual debit cards for your team, and set up customized account automations easily. To be eligible for a Mercury account, your business must be incorporated in the United States—Mercury is unable to provide accounts for sole proprietorships.

When to Choose Mercury’s Business Checking Account

• Your business is incorporated as its own legal entity
• Your business income and expenses are handled electronically
• You don’t have cash transactions and you infrequently pay by check

Fees & Terms

• Monthly fee: None
• Transaction fee: None
• Cash deposit fee: N/A—Bank doesn’t accept cash deposits
• ATM fee: No charge for smith and wesson m&p ATMs, although operator fees apply—free access to Allpoint ATM network (55, locations worldwide)
• Minimum deposit: None
• Minimum balance: None

Why We Like It

While fee-free banking is a great perk of having your business checking account with Mercury, one thing that sets this company apart is that those that own multiple businesses can access their various accounts through a single sign-on. With the click of a button, you can toggle from one business to the next, and custom user permissions allow you to grant varying levels of access to your bookkeeper, employees, and partners. Additionally, by being a Mercury customer you’re granted access to a variety of perks and rewards that include discounts on various software, insurance, and financial consulting

U.S. Bank: Best for Businesses With Low Transaction Volumes

U.S. Bank

What We Like

• No monthly fee
• Free mobile check deposits
• Apply in person, online, or by phone

What's Missing

• No introductory bonus
• Limited free transactions
• Limits on cash deposits

Additional Features

• Zelle® to send and receive money
• Digital invoicing and payment systems integrated into your online dashboard
• Mobile app to monitor all of your accounts, transfer funds between accounts, and deposit checks online
• Easy integration with overdraft protection or credit card processing services for your business

Visit U.S. Bank

You can avoid fees easily with U.S. Bank’s Silver Business Checking account. If your business does less than transactions per month and less than $2, in cash deposits per month, you can conduct business almost entirely fee-free. The Silver account is a good choice for freelancers or small businesses that have limited transaction activity and no need to make large cash deposits.

U.S. Bank also offers Gold and Platinum accounts for more mature businesses with higher numbers of transactions and cash deposits, and a Premium account for those with more complex banking needs. There’s also a specialty account designed for nonprofits that has no monthly maintenance or balance fees—because of this unique nonprofit offering, we’ve named U.S. Bank the best overall bank for nonprofit organizations.

When to Choose U.S. Bank’s Business Checking Account

• You only need a basic business checking account
• Your cash deposits don’t exceed $2, per month
• You have less than banking transactions per month

Fees & Terms

U.S. Bank’s Silver Account

• Monthly fee: None
• Transaction fee: 50 cents per transaction after the first transactions in a month
• Cash deposit fee: None—limited to $2, in cash deposits each month
• ATM fee: No charge for out-of-network ATMs, although operator fees apply—free access to more than 3, ATMs nationwide and free withdrawals from 25,plus MoneyPass ATMs
• Minimum deposit: None
• Minimum balance: None

U.S. Bank’s Gold Account

• Monthly fee: $20—waivable if you meet minimum requirements
• Transaction fee: 45 cents per transaction after the first transactions in a month
• Cash deposit fee: None on the first $10, in cash deposits each month
• ATM fee: No charge for out-of-network ATMs, although fifth third atm customer service number fees apply—free access to more than 3, ATMs nationwide and free withdrawals from 25,plus MoneyPass ATMs
• Minimum deposit: None
• Minimum balance: None

Why We Like It

U.S. Bank offers multiple business checking account options, allowing you to choose the one that best suits your business needs. For businesses with low transaction volumes that want a straightforward business account, you can’t go wrong with the Silver Account. As your business grows or your transaction needs change, you can upgrade to one of the other U.S. Bank business accounts.

First Internet Bank: Best for Full-service Online Banking

First Internet Bank

What We Like

• Fee-free banking
• Up to $10 refund for ATM fees
• Selection of business deposit accounts

What's Missing

• APY only available with average daily balance of $10,
• No cash deposits
• No physical branches

Additional Features

• Other business bank accounts available, including savings, money markets, and certificates of deposit (CDs)—savings accounts ranked among the best

Visit First Internet Bank

First Internet Bank operates as a full-service online bank. It offers many ways to save through its Small Business Checking account with no minimum balance requirement, no monthly service fee, and unlimited transactions. Its interest-earning account yields % APY if you maintain an average daily balance of $10, Both its online banking and the mobile app are robust and highly rated.

When to Choose First Internet Bank’s Business Checking Account

• You want to earn interest on your business checking account and your average daily balance exceeds $10,
• You want to build a business banking relationship that extends beyond a checking account, but don’t require in-person services
• You want to have your personal and business accounts in one place

Fees & Terms

• Monthly fee: None
• Transaction Fee: None—offers unlimited transactions
• ATM fee: None—reimburses up to $10 per month how to choose a business checking account ATM fees
• Minimum deposit: $
• Minimum balance: None
• Ongoing APY: % on balances of $10, or more

Why We Like It

Not only can you earn interest on its small business checking account, but First Internet Bank also offers competitive rates on business savings accounts, business CDs, and a variety of loans. If you’d like to keep all your finances in one place, it also offers small business lending options—including commercial real estate loans—and provides personal accounts like checking, savings, money market, credit cards, CDs, and mortgages. The variety of loan products and banking services that First Internet Bank offers is why we named it as one of the best banks for real estate investors.

Novo: Best for Free ATM Usage

Novo

What We Like

• All ATM fees refunded
• Discounts on business software
• Unlimited free transactions

What's Missing

• No physical branches
• No domestic or international wires
• Does not pay interest on account balance

Additional Features

• Integrates with POS systems and other business tools, including QuickBooks, Slack, Xero, Stripe, Wise, and Shopify
• Deposit checks directly through the mobile app
• Online banking includes unlimited invoicing and bill pay

Visit Novo Bank

If you often use an ATM to access your business funds and don’t need the in-person services of a brick-and-mortar bank, Novo might be the right choice for your business. Although it home remedies for sour stomach and nausea have an associated ATM network, you’ll be reimbursed for all ATM fees at the end of each month. Access your funds wherever and whenever you want without worrying about unwanted ATM fees reducing your balance.

When to Choose Novo’s Business Checking Account

• You frequently utilize ATMs for business purposes
• You rarely make cash deposits—your income stream is electronic
• You want to integrate your business checking account with other online business platforms

Fees & Terms

• Monthly fee: None
• Transaction fee: None
• Cash deposit fee: None—cash is deposited through money orders
• ATM fee: Refunds all ATM fees
• ACH fee: None
• Minimum deposit: None
• Minimum balance: None

Why We Like It

Refunded ATM fees aren’t the only perk of Novo’s business checking account. If your business uses third-party apps for accounting and ecommerce payments, such as Wise, Slack, Xero, Stripe, QuickBooks, and Shopify, Novo sets you up for easy integration. You can save money with significant discounts on licenses and packages for business services, including Gusto, Zendesk, HubSpot, and Salesforce. Novo has a strong reputation for innovation and is one of the best banks for startups.

How We Evaluated the Best Small Business Checking Accounts

To determine the best selection, we considered dozens of small business checking accounts that chemical bank online banking sign in minimal fees, provide strong support, and offer many features important to small business owners. We compared APYs, maintenance fees, initial deposit and minimum balance requirements, branch and ATM availability, online and mobile banking features, and additional account perks for each bank.

Reasons to Consider a Business Checking Account

• Keep your business and personal finances separated: To maintain the integrity and accuracy of your business’s financial records, it’s important to keep your business and personal finances separate.
• You’ll build your business’s credit: When you open a business bank account, credit bureaus begin tracking credit history for your business.
• You can assess your business’s performance more easily: With your income and expenses running through a dedicated account, it becomes easier to analyze your business’s performance.
• It lends credibility to your business: Customers will see your business as more trustworthy when payments come from a business account.
• It helps simplify how to choose a business checking account season: Using a business checking account helps maintain a record of income and expenses, simplifying your tax preparation at the end of the year.
• You can build a banking relationship: Building a banking relationship can be beneficial if you need business financing in the future.

What You Need to Open a Small Business Checking Account

Many banks require the following items. Be sure to confirm if the account can be opened online or if you need to visit a branch to fill out the application:

• Employer identification number (EIN) or Social Security number if you’re a sole proprietor
• Fictitious business name certificate or doing-business-as (DBA) certificate
• Business formation documents
• Organization documents, including your ownership agreements
• Business licenses
• Government-issued photo ID, such as a passport or driver’s license

Bottom Line

When choosing the best small business checking account for your business, select one that works as hard as you do to grow your earnings by avoiding fees and other costs. Determine which account features are important to you and select an account that can support your goals. If you need help deciding what type of account to open, check out our article on opening a business bank account.

¹ Deposited or supplied coin and currency includes withdrawals, exchanges, and deposits less cash received. An Excess Cash Fee may apply when the Included Coin and Currency Limits are exceeded.

² Transactions include all withdrawals, paid checks, transfers, debit card transactions, deposits, and each deposited item; excludes fees. An Excess Transaction Fee may apply for each transaction when the Included Transaction Limits are exceeded.

³ You will be charged an Overdraft Fee for an overdraft item paid if your account's daily ending Available Balance is overdrawn more than $5.

⁴ $ minimum opening deposit required. For new accounts, we will waive the Monthly Service Charge for the first two statement cycles. The Monthly Service Charge and any applicable waivers will be assessed on the first business day of the statement cycle for the previous statement cycle's activity.

⁵ Waive the monthly service charge by making at least one (1) deposit of any amount to the account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not include fund transfers between Bank of the West accounts or any credit from Bank of the West).

⁶ Business money market, savings, and CD accounts will be automatically linked to only one Classic Business Checking or Choice Business Checking account for the combined balance benefit. If you have multiple Classic Business Checking and/or Choice Business Checking accounts, you must tell us which checking account to link to each money market, savings, and CD account; account linkage will become effective up to two business days following the day selections are made. Any money market, savings, or CD account that is not linked to a checking account will not contribute to rebating any monthly service charge.

⁷ Business deposit accounts will be linked based on identical ownership on the accounts. If the business checking account has two owners, those same two individuals must be the owners of the business money market, savings, and/or CD account(s) in order for them to be linked.

⁸ Merchant Services offered by Elavon®. Elavon is not a Bank of the West affiliate. Bank of the West does not offer, control, or guarantee the services of Elavon and makes no representations or warranties regarding their services. Your Elavon Merchant Services must be set up through Bank of the West and settle to the Classic Business Checking account to waive the Monthly Service Charge. If you have more than one Business Credit Card account, you must tell us which one to link to the Classic Business Checking account to waive the Monthly Service Charge and the business entity named as the primary owner of the Business Credit Card must be the same as the Classic Business Checking Account. Only one Business Credit Card account benefit can be applied to a single Classic Business Checking account, regardless of how many Business Credit Card accounts or checking accounts you have. Loans and credit lines are subject to credit approval. Certain fees, conditions, and restrictions may apply. Merchant Services and Business Credit Card Monthly Service Charge waivers will become effective up to two business days following the day the Classic Business Checking account is opened or transferred.

⁹ Checks and check supplies available through the Bank's designated provider, Harland Clarke. $ rebate (or the cost of the order if less than $) available on the first order made within one year of account opening for new accounts only, and will not apply to transferred accounts or subsequent orders. Rebate will be credited to account on the first business day following the day the check order charge is debited from the account.

¹⁰ A Relationship Premium is a bonus interest rate on qualifying Business Money Market Select accounts for selected balance tiers. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate. The Relationship Premium interest rate is set at the Bank's discretion and is subject to change without notice. There may not be a Relationship Premium interest rate associated with every balance tier. Only one Business Money Market Select account per customer relationship may be linked to a Choice Business Checking account to receive a Relationship Interest Rate. The Choice Business Checking account must have at least two customer-initiated transactions during the prior statement cycle to allow the linked Business Money Market Select account to qualify for the Relationship Interest Rate. Choice Business Checking and Business Money Market Select accounts will be linked based on identical ownership on the accounts.

¹¹ Includes domestic and international wires. After 10 free incoming wires in the monthly statement cycle, refer to your Schedule of Fees and Charges for Business Accounts for most current fees.

¹² BusinessLink Reserve Line annual fee waived for Choice Business Checking accounts; accounts transferred out of Choice Business Checking will no longer receive the fee waiver.

¹³ Receive $ for each Relationship Service account opened (maximum of four) within six months of Choice Business Checking account open or transfer date. Eligible Services must be opened on or after April 6, and include the following services available through Bank of the West: ADP® or PrimePay® payroll service, Merchant Services offered by Elavon®, Business MasterCard® or Business Rewards MasterCard®, and Electronic Deposit Service (EDS). $ per Relationship Service, up to $ total. Customers with one Choice Business Checking account and multiple accounts for any one of the above Services (i.e., two Business Credit Card accounts) will receive one $ credit per Relationship Service type. Merchant Services, Payroll Services, and Electronic Deposit Services will be linked to the account selected at the time Relationship Service is set up. For customers with both a Classic Business Checking and a Choice Business Checking account who open a Business Credit Card, the Business Credit Card will be linked to the Classic Business Checking account. Customers with td canada trust routing transit number Choice Business Checking accounts who meet the above criteria for any $ credit(s) will see the credit deposited, as applicable, into the account used for processing ADP Payroll or EDS, the account to which the Elavon Merchant Services settles, and to the account with the latest open date or highest account number for Business Credit Card. ADP, PrimePay, and Elavon are not Bank of how to choose a business checking account West affiliates. Bank of the West does not offer, control, or guarantee the services of ADP, PrimePay, or Elavon and makes no representations or warranties regarding their services. Loans and credit lines union savings bank mt washington subject to credit approval. Certain fees, conditions, and restrictions may apply.