Business Checking

Whether you are a small local business or a large corporation, Columbus Bank and Trust Company has the account that is right for you.


Business Checking Account

Timely, accurate statements give you a complete record of receipts, disbursements and daily cash balances. Formal account analysis may be conducted when applicable.

A monthly earnings credit will be calculated each monthly cycle on the daily average balance of your account using a 365 day basis and an earnings credit factor of $0.10 per $100.00 average daily balance.

Each monthly cycle the earnings credit will be applied toward elimination of the maintenance fee & item paid fee with no carryover, and may not exceed the total of the maintenance fee plus the per item paid fee (over 75 items).

Business Checking Account Fees

Monthly Maintenance


Per item paid (over 75 items) 


Return Deposit per Item


Overdraft per Item


Non-Sufficient Fund per Item*


Ask for a full account disclosure before opening an account.

*A single item can incur multiple fees if presented multiple times.

Indexed Money Fund Account

An excellent short-term option for excess or temporarily idle funds. Transfer of funds is fast and easy.

  • Account earns interest on a daily average balance subject to our current rates.
  • $2,500 deposit to open account
  • Monthly statement with monthly compounding
  • Limit of 6 transactions from account each month. There will be a $5 charge for each transaction that exceeds the limited 6 transactions per month
  • Unlimited in-house transfers
  • eStatements available

Additional Services

Electronic Funds Transfers

Provides the electronic service you need, whether it is direct deposit of payrolls, cash concentration deposits, pre-authorized payments or corporate-to-corporate payments.

Sweep Function

Automatically transfers excess cash out of your business checking account into an investment account each day. This will maximize all available funds in your investment account and eliminate excess cash in non-interest bearing accounts.


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