Choosing the right business bank account isn’t just about checking off boxes — it’s about finding a banking partner that grows with you, simplifies your day-to-day, and stands by you through every stage of business. Whether you’re launching a new company or looking to upgrade your current setup, here’s what truly matters when looking for the best business bank account in 2025.

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1. Low (Or No) Monthly Fees

Monthly fees may seem small, but they add up for startups and small businesses.

What To Look For:

  • No-fee or low-cost checking accounts with reasonable limits
  • Accounts that waive fees through balance or activity tiers
  • Clear, upfront fee disclosures

Banterra Advantage:

Our flexible Business Checking lineup includes tiered options — Standard, Interest, and Analysis — each designed to meet the needs of different business sizes, with clear ways to avoid monthly service charges. Learn about each option on Banterra’s Business Checking page.

2. Mobile & Online Banking That Actually Works

If you're constantly on the go, digital banking is a must. Why does it matter? Because fast banking means faster decisions, and less time wasted.

Look For:

Banterra Advantage:

Our Treasury Management system was recently upgraded with major time-saving tools:

  • Mobile Deposit: Deposit checks from anywhere
  • External Transfers: Move funds to and from other banks
  • Recurring ACH: Automate payroll or vendor payments

With our Business Online Banking and treasury platform, you’ll enjoy a full suite of digital services — not just for checking and savings, but payroll, ACH, wire transfers, and secure user permissions.

3. Personalized Local Service

You deserve a relationship that goes beyond transactions.

What To Expect From Your Banker:

  • In-person, one-on-one support from someone who knows your name
  • Faster decisions on transaction issues or credit requests
  • Local insights and advising tailored to your industry, size, and goals

Banterra Advantage:

We’ve been helping business owners thrive for 50 years. Dedicated customer, Marty Johnson of Johnson Plaster & Vinyl, Inc. from Paducah, Kentucky said,

“Banterra recognized my ambition to succeed and extended a business line of credit when other banks wouldn’t.”

4. Savings Options That Earn More

Smart business owners know it’s smart to save for taxes, muscle through slow seasons, and fund future growth.

What To Look For:

  • Competitive interest on idle cash
  • Minimal restrictions on deposits and withdrawals
  • Easy transfer between checking and savings

Banterra Advantage:

From Business Savings to CDs and tiered interest accounts, we make it easy to grow what you’re not using — while still keeping it accessible.

Ready To Level Up Your Business Banking?

Talk to a local Banterra business banker today and explore account options made just for you.

Contact Our Business Banking Team

5. Lending & Credit Options

You never know when you’ll need to expand, renovate, or seize an opportunity.

What To Look For:

Banterra Advantage:

“Banterra has been crucial to the success of our business… their Treasury Management and Ag Lending team have played a big role in our growth.”

— Molly Maloney, Maloney Cattle Co., Ridgway, IL

6. Built-In Business Security

Business banking needs to be secure, now more than ever.

What To Look For:

  • Dual login and user controls
  • Positive Pay and ACH filtering
  • Fraud monitoring and alerts

Banterra Advantage:

Our enhanced security tools help you sleep better at night. From Positive Pay to encrypted transfers, we help protect your funds and your reputation.

Business Bank Account Must-Haves

Feature

Why It Matters

Banterra Has It?

Low/No Fees

Avoid unnecessary costs

✔️

Strong Mobile Banking

24/7 convenience & speed

✔️

Local Expertise

Personalized service & insight

✔️

High-Yield Savings Options

Make money on idle cash

✔️

Treasury Tools

For multi-location, payments, fraud control

✔️

Business Lending

Capital when you need it

✔️

Cybersecurity

Safe, secure transactions

✔️

Compare Business Checking Accounts Compare Business Savings Accounts

Podcast Spotlight: Helping You Thrive

In celebration of Banterra’s 50th anniversary, we launched the Helping You Thrive podcast — featuring real conversations with local business owners, Banterra banking experts, and community leaders.

Available On:

YouTube | Spotify | Apple Podcasts

Real Stories. Real Results.

“They have all the services of the large banks but provide us with very personalized service. They are a true partner.”

— Fritz Zaegel, Repco Solutions, St. Louis, MO

“Treasury Management is always there to make sure wires go through… we feel comfortable referring our clients to Banterra… they’re trustworthy.”

— Bobby Miller, Miller Hahn, PLLC, Paducah, KY

“Treasury management services like remote deposit have helped make my job easier… always looking for ways to improve service.”

— Patricia Pass, Pass One Hour Heating and Air, Herrin, IL

FAQ

How Do I Open A Business Account With Banterra?

Start by visiting a branch or contacting us online. We’ll walk you through every step.

Does Banterra Offer Remote Deposit And ACH Tools?

Yes. Our updated Cash Management system is built with mobile, ACH, and recurring payments in mind.

Can I Get Help With Switching From Another Bank?

Absolutely. Our team makes it easy to transfer funds, update direct deposits, and set up your new account fast. Access our Switch Kit now.

More Questions? Check Out Our FAQs

Helpful Banterra Resources

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Ready To Find The Right Account?

With over 50 years of helping businesses grow, Banterra combines best-in-class tech with neighborly service. Whether you’re launching a side hustle or running a growing enterprise, we’re here for you.