Business Analyzed Checking
Designed for established and growing businesses with higher transaction volume and treasury management needs. An Analyzed Checking ensures your fees align with your activity and your overall banking relationship — making it a strategic operating account for businesses managing complex cash flow.
Benefits
Rather than charging a flat fee regardless of usage, this account uses Earnings Credit to offset service charges based on your average collected balance. The stronger your balances, the more they work to reduce your overall banking costs.
How it works....
At the end of each month:
- We total the services your business used — such as ACH transactions, wires, deposited items, stop payments, and treasury services.
- We calculate an Earnings Credit based on your collected balance.
- That credit is applied to your service charges.
In simple terms:
- Your balances earn credit
- That credit reduces your fees
Depending on your balances, the Earnings Credit has the potential to reduce or eliminate some of the fees on the account. If the earnings credit exceeds those fees for any period, you will be assessed none of those fees but you will not be paid, carry forward or otherwise receive credit for any excess earnings credit. The earnings credit is applied against all fees except NSF and Courtesy Pay. The Earnings Credit will be calculated by applying the daily periodic earnings credit rate to the investable balance in the account each day of the period. The investable balance is the principal in the account, the daily periodic earnings credit rate may change at any time. The earnings credit will be calculated and applied against fees incurred for the monthly statement cycle.
- $30,000 cash deposits per month at no charge; $0.12 per $100 thereafter1
- Full Access to Treasury Management Services3
- Eligible for SWEEP
- Discounted treasury setup fees
- Treasury Priority Support + Dedicated Treasury Advisor3
Account Features
- Top-Rated Digital Banking
- Online Banking (Reports)
- Online Banking Sub User Control
- Quicken and QuickBooks Export
- eStatements
- Bill Pay
- Mobile Deposit Capture
- Check Writing
- Overdraft Protection
- Eligible for Positive Pay
- Eligible for Cash Management Services including Payroll and Merchant Services
Account Requirements
- $200 minimum initial deposit1
- $15 monthly service fee1
- Non-Dividend bearing account2
Be prepared to show the proper documentation needed to open an Addition Financial business account. Review our checklist below to know what documentation is needed for your business type. All Business Accounts will require an unexpired government issued ID with photo for all signers.
1All accounts subject to approval. Fees and terms may vary. Refer to the All About Your Business Account disclosure and Business Fee Schedule for full details.
2Fees or conditions could reduce earnings. All rates are subject to change without notice.
3Subject to Treasury Management enrollment and approval. Terms and conditions apply. Consult with a Treasury Management Specialist for details.
Additional Support for Your Business
We're here to provide everything you need to grow your business.
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