Lost or Stolen Card Call: 1.800.472.3272
Locations | Contact | About | Careers

Personal Banking Login
Business Banking Login

Business Banking

Account Comparison  

Checking Options

  Simply Free Business Checking

Business Interest Checking
Sole Proprietorship and

Commercial Checking*
FREE mobile banking Yes Yes Yes
FREE mobile deposit Yes Yes Yes
FREE Internet banking Yes Yes Yes
FREE bill pay Yes Yes Yes
FREE Debit Card Yes Yes Yes
FREE Thank You gift at account opening Yes Yes Yes
FREE eStatements Yes Yes Yes
Minimum Opening Deposit $50 $50 $50
Number of fREE Transaction items per month 1,000 1,000 N/A
Pays interest No Yes No
Monthly maintenance Fee $0

$10 if balance falls below $1,500

Offers an earnings credit to potentially offset fees

FREE Access to over 25,000 Kirkpatrick Bank and MoneyPass® ATMs nationwide Yes Yes Yes
Out Of Network ATM Fee From Kirkpatrick Bank Waived Yes Yes Yes

Buy Back Of Your Unused Checks And Debit Cards From Another Financial Institution up to $10

Yes Yes Yes
Transaction Fee No No

$.15/check or debit processed & $.10/transit item deposited


*Our Treasury Management team can assist you with a customized account that will best meet your needs.



Minimum opening deposit $2,500 $100 $1,000
Monthly maintenance fee $10/month if daily avg. balance < $2,500 $5/month if daily average balance < $100 No monthly maintenance fee
Earns interest Tiered rates compounded and paid monthly Compounded and paid monthly Compounded and paid quarterly
Number of permitted withdrawals/cycle 6 6 -
Withdrawal fee $10/withdrawal over 6 $5/withdrawal over 6 Early withdrawal penalties may apply
Automatic transfers from other accounts Yes Yes -


Insured Cash Sweep (ICS)

  • Earn interest by putting excess cash balances in money market deposit accounts
  • Access to multi-million dollar FDIC insurance protection
  • Conveniently manage ICS funds online
  • Withdraw ICS funds up to 6 times per month
  • Save time by working directly with just one bank – the bank you know and trust

Certificate of Deposit Account Registry Service (CDARS)

  • Earn interest by putting excess cash balances in certificate of deposit accounts
  • Access to multi-million dollar FDIC insurance protection
  • Save time with one bank, one rate, and one statement
  • Terms from 4 weeks to 5 years


You are now leaving Kirkpatrick Bank's website and will be redirected to another site. Kirkpatrick Bank makes no endorsement or claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from Kirkpatrick Bank

Click Here to proceed.