business checking

More checking choices. More benefits for your business.

You are the one managing your business, and we have the line of products to allow you to do it the way you want to. Five Star Bank offers an assortment of Business Accounts from a TotalValue Business Checking Account to a NOW Business Account. We are here to support you and your business.

Check out Checking rates

Special CD rates for premier or business checking customers. See disclosures for details.

*APY- Annual Percentage Yield. For CDs or IRAs up to $250,000.00. New-to-Five Star Bank money must not previously have been on deposit with Five Star Bank in the past 90 days, and a minimum deposit of $1,000 is required to open a Five Star Bank 8-month Special CD or IRA. A penalty may be imposed for early withdrawal. Must have a Consumer or Business Checking Account with Five Star Bank. Municipal customers are not eligible. Rates are as of 02/02/2023. Cannot be combined with any other offer. Subject to cancellation without notice.
**APY- Annual Percentage Yield. For CDs or IRAs up to $250,000.00. A $1,000 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open a Five Star Bank Special CD or IRA. A penalty may be imposed for early withdrawal. Must have Premier or Business Checking. Municipal customers are not eligible. Rates are as of 02/02/2023. Cannot be combined with any other offer. Subject to cancellation without notice.

View CD Rates

TotalValue Business Checking

This account is perfect for the small business that has lower balances and transaction levels each month. It is a non-interest bearing account with no per-item charges for a set number of transactions.

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$0.00 Monthly Maintenance Fee
No Minimum Balance Requirements
$0.35/ Item in excess of 250 items per statement period

TotalValue Business Plus Checking

If you are looking for an account that allows for more service charge free transactions each month, look no further. This account is non-interest bearing, has a low monthly average daily balance requirement to avoid a monthly maintenance fee, and no per-item charges for a set number of transactions.

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$12.00 Monthly Maintenance Fee
$5,000 Average Daily Balance to Avoid Fee
$0.35/ Item in excess of 500 items per statement period

Commercial Analyzed

Do you have a high number of transactions each month? This account uses your average balances and an earnings credit to offset the monthly maintenance and transaction fees.

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$15.00 Monthly Maintenance Fee
$0.20/ Checks Written
$0.40/ Deposits Made
$0.16/ Deposited Item
$0.15 ACH Transfer
Earnings Credit to offset the monthly maintenance and transaction fees.

NOW Business

Perfect for a sole proprietor or non-profit organization that maintains higher balances, this is an interest-bearing account that has a low monthly maintenance fee with a set number of service charge free transactions each month.

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$12.00 Monthly Maintenance Fee
No Minimum Balance Requirements
$0.35/ Item in excess of 250 items per statement period
Interest Bearing Account
Only for Sole Proprietors or Non-Profits

Non- Profit Checking

If you are a non-profit organization looking for a low-cost checking option, this account is for you. As a non-interest-bearing account, you’ll have low or no fees with a low monthly average daily balance requirement.

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$6.00 Monthly Maintenance Fee
$600 Average Daily Balance to Avoid Fee
$0.20/ Check Withdrawal
(Waived with $600 average daily balance)
Only for Non-Profits

IOLA

This checking account is designed for attorneys to manage client funds.

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$15.00 Monthly Maintenance Fee *
Attorney-Client Funds Only

*Monthly maintenance fee is deducted from interest earned and any remaining fee is not charged to the account. If Interest earned is greater than maintenance fee, the remaining interest will be remitted to NYS IOLA fund.

Stop in to your local branch today or contact a business banking relationship manager.

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business checking

More checking choices. More benefits for your business.

Check out Checking rates

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