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Business Checking Accounts

OHIO STATE BUSINESS CHECKING
A cash management account that allows you to maximize your earnings by maintaining a targeted balance in your checking account, but sweeps excess balances into an Ohio State Treasury Management account to pay a market rate of interest.

• No monthly fee

• No minimum balance requirement

• Earning credits are used to offset account charges

• Sweep account available to an Ohio State Treasury Management account

• Minimum to open $1,000

• Free online banking

• Free bill pay (only available when signed up for cash management online)**

• $19.95 per month for cash management online with ACH capability

• Wire transfers available online

• Business Link remote deposit available

OHIO STATE SMALL BUSINESS CHECKING
A checking account that is perfect for a small business with a limited number of transactions.

• Up to 125 transactions per month free*

• No monthly fee if the average daily balance is $500 or greater***

• Minimum to open $500

• Free Online Banking

• Bill pay for $12.95 per month including up to 30 transactions**

• Business Link remote deposit available

OHIO STATE 501C PRIME CHECKING
An interest bearing checking account available for non-profit organizations only

• Up to 250 transactions per month free*

• No monthly fee if the average monthly balance is $500 or greater ***

• Interest bearing with tiered variable blended rates****

• Minimum to earn interest $2,500

• Minimum to open $500

• Free online banking

• Free bill pay**

INFORMATION FOR ALL
BUSINESS CHECKING ACCOUNTS:

• The Ohio State Bank posts credits before debits so your deposits are there to cover any outstanding checks NOT the other way around

• A monthly dormant fee of $8.00 will be charged if there is no activity after one year and the balance is below $500

• *The Ohio State Small Business Checking charges $0.15 per item over 125.  The Ohio State 501C Prime Checking charges $0.25 per item over 250

• **$5.95 per month fee for non-use of the bill pay feature. For a Small Business Checking, there is a fee of $0.39 per bill when you exceed 30 bills

• ***A $10 fee applies if the balance falls below $500

• ****The interest rate and annual percentage yield depend on the applicable rate tier.  The rates for these tiers may change.  Interest will be compounded daily using the average daily balance computation method and paid at statement cycle.  Interest begins to accrue on the day we receive credit.

• "Transactions" include checks written, ATM activity, point of sale items and non-cash items included in a deposit. Transactions do not include electronic debits/credits.

• Full account disclosures are available upon request or at opening of account

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