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Business Checking Accounts

Business Checking for Better Cash Flow

Managing cash flow is critical to a successful business. Our business bankers are here to help. Because every business is unique, we take the time to listen and understand your specific needs, then find the checking solution that fits you best.

Online Banking

Manage your cash flow whenever and wherever you are with 24/7 access to your accounts, online bill pay, statements, and transfers.  Our Online Banking also gives you everything you need to process your business payroll faster, more efficiently, and securely. Pay your employees through direct deposit or electronic deposit, pay your federal and state payroll taxes, and file your tax forms. We make it easy.

eProducts

A complete line of free, convenient and incredibly flexible banking products including:

  • eStatements, a greener, more secure way to receive your monthly statement.
  • ePay, the fastest, easiest way to pay bills.

The No Hitch Switch
We can help you easily transition from your previous financial institution to your new account at Prospect Bank.  All you will need to do is provide information about your previous bank account, any automatic debits and direct deposits.  We have forms and checklists to help you with this process!

CHECKING ACCOUNTS

SUCCESS BUSINESS CHECKING

This Account Is Best For You If: Your business is just starting out or you have less transactions per statement cycle.

Account Features:

  • Low opening balance
  • Free online banking and debit card
  • No monthly service charge
ACHIEVE BUSINESS CHECKING

This Account Is Best For You If: You want a simple interest earning account and the check writing ability, but don’t have many transactions.

Account Features:

  • Interest earning
  • Free online banking and debit card
  • Low monthly service charge
  • Low transaction fees
PROGRESS BUSINESS CHECKING

This Account Is Best For You If: You are a small business that wants a low starting balance and the ability to earn interest.

Account Features:

  • Low opening balance
  • Interest earning
  • Free online banking and debit card
FOCUS BUSINESS CHECKING

This Account Is Best For You If: Your business typically has high volume transactions and will benefit from a checking account structured to fit your specific needs.

Account Features:

  • Custom requirements, fees, and interest
  • Free online banking and debit card
  • Remote deposit
COMMUNITY CHECKING

This Account Is Best For You If: You are a municipality or non-profit with fluctuating balances and a high volume of monthly transactions.

Account Features:

  • Low opening balance
  • Free online banking and debit card
  • No monthly service charge
COMMUNITY INTEREST CHECKING

This Account Is Best For You If: You are a municipality or non-profit with fluctuating balances and a preference for interest-earning accounts.

Account Features:

  • Low opening balance
  • Free online banking and debit card
  • Interest earning

Business Checking Accounts

Other Deposit Features and Options:

Return Check Management Services: We provide businesses with services to help you reduce returned checks, increase security, reduce fees, and provide greater peace of mind.

Wire Transfers: If you need to send or receive funds for a same-day settlement, we provide a high-speed, secure electronic solution, as well as reporting documentation.

ACH: Reduce costs, increase payee satisfaction, decrease fraud, and eliminate lost check risk by using our Automated Clearing House (ACH) Services.  It’s a secure, electronic way to pay everyone: suppliers, vendors, tax accounts, employees (direct deposit)

Remote Deposit:  To help you process receivables faster, we provide you with a scanner that will transmit payment images for processing.

Lockbox:  Whether you need a wholesale or retail lockbox, we make it easy and profitable. Our lockbox services consolidate various receivable and payment solutions into one efficient, real time reporting process so you can make the most of your cash flow.