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Business Checking Accounts

Whether it’s a small business, big business or somewhere in between, we’re always open for your business

Community Business Checking

Geared toward a small business that keeps a low-dollar balance and has fewer transactions.

Opening Amount: $100

  • No minimum balance
  • Free first 200 items per month, 25¢ each additional item
  • Free basic online banking with the option to add bill pay or treasury management*
  • Free business debit card**
  • Free eStatements ($2 per month charge for paper statements)
  • Free basic sweep accounts
  • Free notary service
  • Business credit card available
  • Merchant credit card services available
  • Mobile banking and mobile deposit***

*Bill pay fees are $2.95 per month plus 30¢ per transaction. Treasury management is available online for an additional charge. Fee amounts may change.

**SUBJECT TO APPROVAL: Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.

***Standard Business Limit: $3,500 per item limit, $5,000 per day limit, $10,000 per 30-day limit. May deposit 10 items per day. One item per deposit. 

Business Checking

Designed for a larger business that keeps a high-dollar balance and has a higher transaction rate.

Opening Amount: $100

  • SERVICE CHARGE: $15 service charge per monthly statement period. 14¢ activity fee per debit/check paid and 10¢ per item deposited during the monthly statement period.
  • Free basic online banking with the option to add bill pay or treasury management*
  • Free business debit card**
  • Free imaged monthly statement
  • Free basic sweep accounts
  • Free notary service
  • Credit card and merchant credit card services available
  • Mobile banking and mobile deposit***

EARNED CREDIT: To offset some or all of the service charge, an earnings credit is given on the monthly average collected balance after a reserve requirement of 10% is deducted; the earnings credit is 2% below (0.25% minimum) the Federal Funds Rate as published by the Board of Governors of the Federal Reserve System. This is a variable earnings credit.

*Bill pay fees are $2.95 per month with 30¢ per transaction. Treasury management is available online for an additional charge.
**SUBJECT TO APPROVAL: Interest is charged on all interest bearing accounts for items paid on uncollected funds at the current rate allowed by law. Interest is charged on overdrawn balances at the current rate allowed by law. Member FDIC.
***Standard Business Limit: $3,500 per item limit, $5,000 per day limit, $10,000 per 30-day limit. May deposit 10 items per day. One item per deposit. 

Community Association Checking

Designed for a larger association that keeps a high-dollar balance and has a higher transaction rate.

Opening Amount: $5,000.00

  • Free first 400 items per month, $0.25 for each additional item over 400
  • $15.00 monthly fee if minimum or combined balances are not met
  • $5,000.00 minimum balance in your Community Association Checking or $25,000.00 combined deposit balances from all business checking and money market accounts.
  • Available to Community Associations and Property Management Companies only.
  • Mobile banking and mobile deposit*

This account is currently offered in these locations: Biloxi, Gulfport, Ocean Springs, Orange Grove, D’Iberville, Pascagoula, Leakesville, Lucedale, Mobile, Daphne, Fairhope, Springhill, Miramar Beach, Crestview, and Panama City Beach.
*Standard Business Limit: $3,500 per item limit, $5,000 per day limit, $10,000 per 30-day limit. May deposit 10 items per day.

Business Now

Available for sole proprietors, nonprofit corporations and government entities.

Opening Amount: $1,000

  • Free basic online banking with the option to add bill pay or treasury management*
  • Free business debit card**
  • Free imaged monthly statement
  • Free basic sweep accounts
  • Free notary services
  • Business credit card available
  • Merchant credit card services available
  • Mobile banking and mobile deposit***

SERVICE CHARGE: $7.50 service charge per monthly statement period. 14¢ activity fee per debit/check paid and 7¢ per item deposited during the monthly statement period.

INTEREST PAID: Interest accrues on the monthly average collected balance and is credited monthly. The interest rate is variable and is subject to change daily without notice — see a customer service representative for current interest rates.
*Bill pay fees are $2.95 per month with 30¢ per transaction. Treasury management is available online for an additional charge.
**Subject to approval.
***Standard Business Limit: $3,500 per item limit, $5,000 per day limit, $10,000 per 30-day limit. May deposit 10 items per day. One item per deposit. 

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“Our relationship with Community Bank is better described as a valued partnership than a customer vendor relationship. Community Bank’s culture centers around the human relationships. They invest the time and energy to get to know individuals in our organization and understand what will add value to our current situation. They work hard to optimize that value and the result has been a highly transparent and efficient relationship that has indeed optimized our organization’s objectives. It is a banking relationship that goes beyond the products themselves and continues to be viewed as a valued partner for our organization.”

— Vance, Community Bank customer in Mississippi