Skip to main content

Business Checking

Thrive with our line of business banking products. 

Hand holding a green debit card

Business Banking

Checking Accounts

Legacy Business

Every new business checking account includes

Sign up, and we'll BUY BACK your debit cards and unused checks from another financial institution up to $10.
VISA® Business Check Card
Complimentary Thank You gift
eBanking
Mobile Banking
Bill Pay
Referral Gifts
Monthly Statements
Older man holding a cup of coffee

Commercial Checking

Commercial checking offers a full line of cash management products to help your money work for you. Commercial checking accounts are billed and credited on an account analysis system.

Full list of cash management products and services

eBanking

Conduct banking transactions conveniently over the Internet. Legacy Bank eBanking presents information in real-time and has many functions to help you with your business.

Zero Balance Account

Eliminate excess balances in separate accounts and maintain greater control over disbursements by funding them through a single central account. Funds automatically transfer in an amount only large enough to cover checks presented for different types of associated accounts, such as payroll, health care, and general payables. This is available at a monthly charge of $10 per account.

Night Deposit

Deposit your business proceeds even when the bank is closed. Night deposits are processed on the next business day.

Deposit Consolidation

Consolidate deposits from multiple locations into a single company account via ACH, allowing you to stay on top of your funding position.

ACH Debits

This allows you to transfer funds by authorizing us to electronically debit your bank account for the amount you report via our system.

ACH Credits

Pay employees, retirees, shareholders, or trading partners on a regular basis. Help eliminate costs associated with the number of checks you must write and process, and also the risk and cost of lost or stolen checks. Payees benefit because funds are automatically deposited to their account on the date specified without a trip to the bank.

Check Imaging

View checks that are written and received through eBanking and on your monthly statements. This allows verification of which checks have been received and a record of who has written checks for your company.

Collection/Drafts

This allows complete control over the issuance of drafts and authorization of payment and is an automated method for collecting drafts when received and tracking drafts to ensure prompt payment or return.

Corporate Check Card

This provides an efficient payment option, with greater convenience and control of expenditures than cash or checks, and allows you to set spending limits for authorized employees.

Money Transfer

Easily and quickly transfer funds from one Legacy Bank account to another via eBanking.

Wire Transfer

Wire transfer is a simple, secure, and fast method of transferring money to a different company, customer, account, etc.

Sweep Accounts

Gain the greatest amount of interest with the minimum amount of personal intervention. Automatically transfer amounts that exceed or fall short of a certain level into a higher interest-earning account at the close of each business day.

Farm house
 Commercial Checking Analysis Schedule 
 Fee   Amount 
 ACH Origination   $25.00 
 ACH File Submission   $2.50 
 ACH Monthly Fee   $3.50 
 ACH Debit or Credit Originated   $0.11 
 Account Maintenance   $7.50 
 Cashier's Check   $5.00 
 Checks Written   $0.25 
 Currency Straps   $1.00 
 Local Items Deposited   $0.08 
 Deposits Made   $0.25 
 Transit Items Deposited   $0.10 
 Rolled Coin   $0.15 
 Returned Check Charge   $12.50 
 Stop Payment   $25.00 
 Sweep Maintenance   $15.00 
 Wire Transfer Charge   $20.00 
 Incoming Wire Fee   $5.00 
 Earnings Credit   Avg. 91-Day T-Rate Bill for Previous Month 
 Insufficient Funds Charge for ACH and Checks   *$20.00 
 Consecutive Days OD Fee (One week grace period)   **$17.50 per day 
Business Checking

Simple Business Checking

Designed for small businesses, like sole proprietorships. No minimum balance required to open. 

Visa Debit Card
Online Banking
Bill Pay
E-Statements
Mobile Banking with Mobile Deposit
Free unlimited monthly transaction items
Business Checking

Business Interest Checking

Designed for sole proprietorships and not-for-profits. You earn 1.00% APY on balances and FREE unlimited monthly transaction items.

Visa Debit Card
Online Banking
Bill Pay
Earn 1.00% APY
Free Unlimited monthly transaction items
E-Statements
Mobile Banking with Mobile Deposit
Merchant Services System

Merchant Services

Use the all-in-one, tailored point-of-sale system to manage every aspect of your growing venture!