Compare Gateway business checking accounts
See all of our business checking accounts side by side, and browse through the frequently asked questions below to choose the right one for you.
Browse Business Banking
Checking
Savings and Money Market
Business CDs
Loans
Remote Deposit
Business Management
Merchant Services
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| Basic Business Checking | Analysis Business Checking | Non-Profit Checking | |
|---|---|---|---|
Perfect for | Small businesses who just want the basics. | Larger businesses who need a full array of services. | Non-profit organizations who just need the basics. |
Minimum opening deposit | $100 | $100 | $100 |
Minimum balance required to avoid service charge | No minimum balance requirement. | No minimum balance requirement. | No minimum balance requirement. |
Monthly charge if your account goes below the minimum | N/A, no minimum balance. | First monthly charge is waived, and future charges depend on level of activity (see notes below). No hidden fees! | N/A, no minimum balance. |
Earns interest | No | No | No |
Free online banking and mobile app | Yes | Yes | Yes |
Free online bill pay | Yes | Yes | Yes |
Free Visa debit card | Yes | Yes | Yes |
Additional benefits | Discount on your first order of checks. Itemized monthly statement with image copy of cancelled checks. | Earnings credit may offset monthly fees. Unlimited check writing and itemized monthly statements with image copy of cancelled checks are also provided. | Unlimited check writing and itemized monthly statement with image copy of cancelled checks. |
Important notes | There is no monthly service charge if you have less than 500 transactions per month. Once you exceed 500 transactions, there is a $0.10 fee for each one after that. | Accounts will be analyzed for monthly activity, float, and actual services used. Accounts with expenses not offset by an earnings credit will be charged on a monthly basis. Business Management and Remote Deposit services are available with this account. Transaction charges: $0.14 for each check/debit, $0.45 for each credit, and $0.08 per deposit item. $15 monthly maintenance fee, which may be offset by earnings credit. No hidden fees. | N/A |
Frequently asked questions
Visit this page for details on opening a checking, savings, or investment account.
There is no minimum balance requirement for any checking or savings accounts. Money market accounts require a minimum balance of $1,000. If your account goes below that limit, the fee is $10/month.
We’re always transparent with pricing – no hidden fees here. You can find Gateway’s fee schedule for additional transactions and services. Note that there is no cost for online banking or our mobile app.
Yes, you can sweep from one account to the other to prevent any overdrafts.
Yes there are limits, but our mobile deposit app will still allow deposits to go through. We work each exception behind the scenes. Contact us if you need assistance.
Business banking customers have access to:
- Loans and lines of credit
- Remote Deposit ($45/mo for single feed and $60/mo for multi-feed)
- ACH services / Business Management Solutions ($50/mo)
- Merchant Services (pricing varies)
- Positive Pay check fraud protection (no cost)
Yes. Contact us and we will be happy to help compare your current fees to future potential savings.
Please review the following disclosures and conditions.
Loans are subject to credit approval. All services may be subject to additional terms, conditions, and miscellaneous fees, including but not limited to mobile data charges and internet provider fees.
Interest rates
See the latest interest rates to find out how much your account will earn.