Open a business checking account that does it all
Modern business checking built around how you operate. Pair flexible checking with savings and cash management tools designed to help you stay in control of cash flow and support long-term growth.
Built to support how your business operates
Our business checking accounts are paired with smart cash management tools that help you move money efficiently, protect your accounts, and keep business on track.
- Merchant services to accept customer payments with ease
- Remote deposit capture for secure, on-site check deposits
- Positive Pay to help protect against check fraud
- Direct payroll deposit for efficient employee payments
- Wire transfers for fast, secure movement of funds
- Online and mobile banking to manage accounts anytime
Compare our business accounts
Choose the account that aligns with your transaction volume, cash management needs, and the way you manage business finances.
Business Checking | Business Select Checking | Commercial Checking | |
|---|---|---|---|
Best For | Lower transaction volume, cost-conscious businesses | Growing businesses with higher activity and treasury needs | Businesses with large, complex transaction volumes |
Monthly maintenance fee | $0 | $40 (waived with $40,000 average daily balance across all business checking accounts under the same EIN)1 | $12 (Earnings Credit Allowance may offset fees) |
Minimum balance required | None | None | None |
Free transactions per statement cycle | 300 paid or deposited items2 | 500 paid or deposited items2 | Designed for higher volumes |
Excess transaction fee | $0.50 per item over 300 | $0.50 per item over 500 | Activity-based fees may apply |
Treasury Management services | Included Available | Included Includes access to two free services3 | Included Available |
Incoming domestic wires | Standard fees apply | Free | Standard fees apply |
Deposit insurance | Fully insured by FDIC and DIF | Fully insured by FDIC and DIF | Fully insured by FDIC and DIF |
Online & mobile banking | Included | Included | Included |
Local relationship support | Included | Included | Included |
| Open an account | Open an account | Talk to our commercial team |
1 Monthly fee of $40.00 will be charged if $40,000.00 average daily balance requirements are not met. Monthly balance requirement may be met by aggregating Newburyport Bank Business Checking accounts and under the same EIN number.
2 Qualifying items are deposits, checks paid, checks deposited, and ACH debits/credits received. Any item after 300 for Business Checking, and 500 for Business Select Checking, will be charged a fee of $.50 per item.
3 Treasury Management services include Positive Pay, ACH Origination, or Remote Deposit Capture.
Journey Well Stories
“Running a small business means wearing a lot of hats—and my bank makes it easier. When challenges came up, they stepped in fast, helped us through tough moments, and gave me real peace of mind. That kind of partnership has helped Port City Glass grow and thrive.”
Journey Well Stories
“When I started Six26 Construction, Newburyport Bank helped me get off the ground and into a position to be self-sustaining. Now that we are taking on larger projects, having a local team that understands our industry and can move quickly makes all the difference. They’re part of our growth plan.”
Business checking accounts FAQs
Which business checking account is right for my business?
Is there a minimum balance required?
What types of transactions count toward the monthly limit?
Are my business deposits insured?
What treasury or cash management services are available?
Can I open a business checking account online?
What documentation is required to open an account?
Who should I contact if I have questions or need support?
Backing the work that matters most
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