Business Checking

Keep your business running

Our various business checking account types can meet the needs of a wide range of businesses. For more detailed information, or to inquire about opening an account, please visit our Get Started page. We look forward to hearing from you!

Basic Business Checking:

*Subject to application approval. Unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions. ATM terminal owners fees may apply.

**Avoid the $10 monthly maintenance fee by maintaining a $1,500 minimum average daily balance or $15,000 of combined balances in business and personal accounts. Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.


Premium Business Checking:

*Subject to application approval. Unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions. ATM terminal owners fees may apply.

**Avoid the $15 monthly maintenance fee by maintaining a $15,000 minimum average daily balance or $25,000 of combined balances in business and personal accounts. Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.


Account Analysis Checking:

*Earnings credit based on balance requirements.

**Subject to application approval. Unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions. ATM terminal owners fees may apply.


Business Interest Checking:

*Fees may reduce earnings.

**Subject to application approval. Unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions. ATM terminal owners fees may apply.

***Avoid the $12 monthly maintenance fee by maintaining a $10,000 minimum average daily balance or $20,000 of combined balances in business and personal accounts. Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.


Premium Business Checking

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Enjoy a higher class of checking with unlimited monthly transactions; Premium Business Checking allows you to manage your money according to your schedule. 24/7 access to services like business mobile banking and our variety of cash management services can save you even more time, so you can focus on perfecting your business strategy.

  • Ideal for businesses with mid-size transaction volumes
  • Unlimited monthly transactions
  • 24/7 access to business online banking & bill pay
  • 24/7 access to business mobile banking with mobile deposit
  • 24/7 access to business eStatements
  • Cash management services available
  • Visa® business check card with unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions1,3
  • Avoid the $15 monthly maintenance fee by maintaining a $15,000 minimum average daily balance or $25,000 of combined balances in business and personal accounts2
  • $100 minimum deposit to open

Premium Business Checking:

1 - Subject to application approval. 

2 - Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.

3 - ATM terminal fees may apply.

Basic Business Checking

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Basic Business Checking helps your small business cut the cost of doing business by helping you know exactly where your money is going. Our suite of cash management services and 24/7 access to online banking services allow you to bank more efficiently. Silvergate’s high standards brand even “basic” accounts as “outstanding."

  • Ideal for businesses with smaller transaction volumes
  • Generous allowance of monthly transactions; 20¢ for each additional item thereafter
    • 200 checks and/or POS debits
    • 100 ACH debits
    • 100 deposited items
  • 24/7 access to business online banking & bill pay
  • 24/7 access to business mobile banking with mobile deposit
  • 24/7 access to business eStatements
  • Cash management services available
  • Visa® business check card with unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions1,3
  • Avoid the $10 monthly maintenance fee by maintaining a $1,500 minimum average daily balance or $15,000 of combined balances in business and personal accounts2
  • $100 minimum deposit to open

Basic Business Checking:

1 - Subject to application approval.

2 - Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.

3 - ATM terminal owners fees may apply.

Account Analysis Checking

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Streamline spending without sacrificing service. Account Analysis Checking helps bigger businesses stay nimble with unlimited transactions at low per-item fees. You might forget those fees entirely with the earnings credit you receive.1 Easily manage transactions with 24/7 access to business online banking and cash management. You've worked hard enough — let us help you enjoy success.4

  • Ideal for businesses with large transaction volumes
  • Receive a detailed analysis statement regarding account activity
  • Unlimited monthly transactions available at low per-item fees
  • Receive an earnings credit to offset or minimize monthly fees incurred1
  • 24/7 access to business online banking & bill pay
  • 24/7 access to business mobile banking with mobile deposit
  • 24/7 access to business eStatements
  • Cash management services available
  • Visa® business check card with unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions2,3
  • $15 monthly maintenance fee applied to analysis
  • $100 minimum deposit to open

Account Analysis Checking:

1 - Earnings credit based on balance requirements.

2 - Subject to application approval.

3 - ATM terminal owner fees may apply.

4 - Additional risk-based pricing may apply to Fintech Clients-Contact your Account Manager for additional pricing details.

Business Interest Checking

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Boost your bottom line — without extra effort. Business Interest Checking pays you competitive interest on every dollar in your account. Watch as your balance grows with 24/7 access to business online banking. Make the most of your extra income with a generous allowance of monthly transactions and cash management services. Trust your business’s funds to a bank with your best interests at heart and open your account today.

  • Competitive interest on entire balance1
    • Compounds daily, credited monthly
  • Generous allowance of monthly transactions; 20¢ for each additional item thereafter
    • 200 checks and/or POS debits
    • 100 ACH debits
    • 100 deposited items
  • 24/7 access to business online banking & bill pay
  • 24/7 access to business mobile banking with mobile deposit
  • 24/7 access to business eStatements
  • Cash management services available
  • Visa® business check card with unlimited surcharge fee reimbursements for Domestic (U.S.) ATM Debit Card transactions2,4
  • Avoid the $12 monthly maintenance fee by maintaining a $10,000 minimum average daily balance or $20,000 of combined balances in business and personal accounts3
  • $100 minimum deposit to open

Business Interest Checking:

1 - Fees may reduce earnings.

2 - Subject to application approval.

3 - Deposit accounts owned by the tax reporting owner, joint owner, or principal owner of a business are eligible for calculation of combined balance.

4 - ATM terminal owner fees may apply.

Interest on Lawyers Trust Account (IOLTA)

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Find more satisfaction from your pursuit of justice. Our Interest on Lawyers Trust Account (IOLTA) helps raise funds to provide legal services to indigent Californians. We secure your client's funds and pay interest on those funds to the State Bar of California. Let's work together to improve California communities.

  • Generate funds to provide civil legal services for those in need
  • Available at no cost to you, your clients, or the public
  • No minimum balance to earn interest
  • Interest earned is paid to the State Bar of California
  • 24/7 access to business online banking & bill pay
  • 24/7 access to business mobile banking with mobile deposit
  • 24/7 access to business eStatements
  • FDIC insured up to $250,000 per client with accounts at Silvergate Bank
  • $100 minimum deposit to open
  • $10 maintenance fee assessed against interest earned

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