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Business Standard Checking

The ideal checking account for medium-sized businesses.

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Or call 1-800-621-2105

Business Standard Checking

Checking for Mid-Sized Businesses


  • Manage your accounts from anywhere, anytime, with easy access to all of your funds
  • Help from our dedicated team of business financial advisors with experience to recognize every small business's unique needs
  • Fewer fees and requirements than many competitors' business checking products


  • For mid-sized businesses with an average daily balance of more than $10,000
  • No monthly Maintenance Service Charge if you opt-in to eStatements and have fewer than 500 transactions per month
  • Low average daily balance of $10,000 required
  • No per item fees
  • Move funds quickly with ACH debit and credit capabilities and the convenience of self-service wire transfers in Online Banking and the Mobile App

What are the benefits of a Business Standard Checking account?

Coworkers at a laptop

Convenience: The Elements Visa® Business debit card allows you to make purchases at any merchant that accepts Visa® debit cards. The funds will be directly withdrawn from your checking account.

Security: Enjoy online shopping secured with Visa. When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase at participating merchant sites.

Easy Account Management: Use Online Banking and the Mobile App to manage your personal and business accounts. See your business account activity, check your electronic statements, deposit checks, pay bills, and more anytime and anywhere you have access to the Internet.1 Log in or enroll in Online Banking today to manage your account.

Worldwide Access: Conduct transactions at 78,000+ ATMs worldwide and 5,000+ shared branches nationwide. Find an ATM or branch near you.

Paperless Benefits: Instead of returning your canceled checks, we provide you with a listing of checks paid, noted by check number, date, and amount, all viewable within Online Banking.

What Treasury Management services do I have access to?

A woman working at a computer

User Administration

Create and manage authorized user access including view/deposit/withdrawal limitations and dual control functionality.

ACH Payment Services2

We offer ACH debit and credit origination; including options for one-time payments, recurring payments supported by templates, or file upload.

Wire Transfers

Safely Schedule Domestic Wire Transfers

Remote Deposit Capture

We offer standard Remote Deposit Capture capabilities which are supported in both a mobile and desktop environment and offer real-time availability. For clients with higher check deposit volume, we can also support an enhanced Business Remote Deposit Capture2 with high-speed desktop scanners.

Bill Payment

We provide standard Bill Payment services at no cost and are also able to provide Business Bill Pay2 which includes enhancements like invoice management, user administration, and reporting.

Check and ACH Positive Pay2

Single platform with access to both Check and ACH Positive Pay ACH Preauthorization and Filter/Block features Both Traditional and Reverse Check Positive Pay; with custom file mapping option Account Reconcilement — Full, Deposit, or Check-only Reconcilement.

What digital wallet options (like Apple Pay) do I have with Business Standard Checking?

A woman paying with her cell phone

Elements offers a variety of digital payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • PayPal
  • Amazon Reload
  • This logo  anywhere Visa is accepted online.

Learn More about Digital Wallet Options

How do I open an account?

How to Get Started


Want help making the best choices? To get your Business Standard Checking application started, talk to us now about what's right for you:, 1-317-276-2105, or toll-free at 1-800-621-2105.

  1. 1 Services subject to approval.
  2. 2 Subject to approval, fees may apply.