Fraudsters are clever! Stay cautious. Newburyport Bank will never ask for login info, codes, or send invoices. If you get a suspicious call, text, or email, don’t engage—hang up and contact us using a verified number.

 

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Newburyport Bank
Home/Business Banking/Business Checking

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.

Open an account
Smiling man in a sweater talks on a smartphone while working on a laptop at a desk in a bright office.

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
Get started
A woman in an apron hangs an Open, Come in sign on the glass door of a well-lit café or shop, inviting customers inside.

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
IncludedIncludedIncluded
Local relationship support
IncludedIncludedIncluded
Open an accountOpen an accountTalk 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.

Manage everything online

Keep business moving from anywhere.

  • View real-time account balances and activity
  • Move money with fast, secure transfers
  • Deposit checks remotely with remote deposit capture
  • Pay employees directly with payroll deposit
  • Chat with a live representative
  • Protect accounts with Positive Pay fraud detection
Register Now
Log In
Four people discuss blueprints at a table in a modern room under renovation, while two workers measure and work on the walls and window in the background.
Alyson Iarrusso

Journey Well Stories

When I walk into the branch, they ask about my family, my business, and what I’m working on next. They understand entrepreneurs and truly look out for me. As my business grows, I know Newburyport Bank will be there to support the next stage.

Alyson Iarrusso
Founder & Designer, Cove Fine Jewelry
A woman with long brown hair, wearing a white sweater, smiles in front of green leafy bushes and white lilac flowers.

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.”

Michelle Martin
Owner, Six26 Construction
A man in a navy polo and cap stands in front of a blue Port City Glass van with an anchor logo and website text.

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.”

Michael LaPerriere
President, Port City Glass

Business checking accounts FAQs

Which business checking account is right for my business?
The right account depends on your transaction volume, cash management needs, and how your business operates day to day. Our team can help you compare options and choose the best fit.
Is there a minimum balance required?
No. None of our business checking accounts require a minimum balance to open or maintain the account.
What types of transactions count toward the monthly limit?
Paid and deposited items, including checks and other transactions, count toward the monthly transaction limit. Additional transactions may incur a per-item fee.
Are my business deposits insured?
Yes. All business checking deposits are fully insured by the FDIC and the Massachusetts Depositors Insurance Fund (DIF).
What treasury or cash management services are available?
Depending on the account, businesses can access services such as remote deposit capture, Positive Pay, wire transfers, merchant services, and payroll tools.
Can I open a business checking account online?
Yes, you can open a Business Checking or a Business Select Checking account online. Commercial checking accounts must be opened with the guidance of our business banking team.
What documentation is required to open an account?
Requirements vary by business type but typically include business formation documents, a completed business questionnaire, and verification of ownership.
Who should I contact if I have questions or need support?
Our local business banking team is available to provide personalized support and ongoing guidance.

Backing the work that matters most

Connect with our business lending team to explore banking and financing solutions designed specifically for medical professionals.

A woman with shoulder-length brown hair, wearing a navy blazer and light pink top, smiles in front of a plain gray background.
Stacey Palovich Senior Vice President, Business Banking & Professional Practices Director
Phone Number: 978-984-6339
A woman with long, wavy brown hair wearing a black blazer over a white top, smiling at the camera against a plain light gray background.
Cindy Lindley Assistant Vice President, Business Banking Officer
Phone Number: 603-418-8621