Small Business Checking Account

Small Business Checking is tailored specifically for your business needs. It has all the benefits you would expect from a checking account without the extra expense.

  • Free 24/7 on-demand eStatement

  • Free Central Bank Debit Mastercard®disclosure 1

  • Free BusinessLink Online Banking

  • Free Mobile Bankingdisclosure 2

  • Overdraft Access Protectiondisclosure 3

  • Up to 100 Free combined paper and electronic transactions

Open an Account

Small café attending to customers.

Getting Started

Before you get started, here is what you will need to complete your Small Business Checking account application. We'll be in touch with you to complete the process.

Business Requirements

Legal hammer icon.

Legal Name of Business

Location icon.

Physical Business Address

Verified document icon.

Validation of Business Registration

Tax ID number icon.

Business Tax Identification Number (TIN) or SSN

Personal Requirements

Location icon.

Physical Mailing Address

Birthday cake icon.

Date of Birth

Social security number icon.

Social Security Number (SSN)

Photo ID icon.

Unexpired Government-Issued Photo ID, Driver's License, Passport, or Military ID

Adding Additional Signers

Please Note: The application cannot be submitted until all signers have completed and submitted their information. The signers will receive an email to complete their part of the application.


If you are opening a Sole Proprietor or Doing Business As you will input the account owners Social Security Number.

Any other business will enter their Federal Tax Identification Number (TIN).



This is the form of registration that was completed with the Secretary of State.



Businesses may take advantage of Additional Services from the Bank that are tailored to their everyday financial needs. If you want more information about any of these services, just keep the boxes checked when filling the application and we will contact you directly with more details.

Additional Services

  • BusinessLink - Business Online Banking
  • Business Mobile Check Deposit - Deposit checks from a mobile device
  • Bill Pay - Pay bills electronically
  • Credit Card - Manage cash flow and expenses
  • Collections - Collection process for returned checks
  • Merchant Services - Accept debit and credit card payments
  • Debit Card - Make everyday purchases with greater convenience



You have the ability to add signers when opening this account at one of our branches. Signers will need to sign a signature card.

Ready to get started?

Open an Account

  1. This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Back to content
  2. Mobile carrier data and text rates may apply. Back to content
  3. Subject to Overdraft Access Policy Back to content