Business Checking

Ent Business Checking

We understand that different companies have different checking needs - based on their account activity, daily balance and business plan.

 

Ent Business Checking Accounts offer:

  • Low $100 minimum opening deposit
  • No minimum balance requirement
  • Monthly cash deposit fee of $.10 per $100 after $2,500
  • No charge for cash or coin purchased
  • Unlimited free transactions* at Ent and CO-OP ATMs
  • Free Ent Visa® Debit Card(s)
  • Free online and mobile banking with eStatements, Bill Pay, and alerts

Choose the business checking account that meets your needs:

 

Free
• For businesses just getting started or those with lower transaction volumes and balances.
• No monthly maintenance fee.
• $.30 per item service fee2 for each transaction item over 100.
Dividend
• Earn dividends3 on your checking account - tiered rates, credited monthly.
•  $10 monthly maintenance fee. (Fee may be waived per ADB requirements).
• $.30 per item service fee2 for each transaction item over 350.
Analysis
• Earnings credit4 - for businesses with higher transaction activity and account balances.
• $12 monthly maintenance fee.
• Per item service fees:2
$.15 per withdrawal or check
$.20 per deposit ticket
$.09 per deposit item

Then, get rewarded with Business Ent Extras!®

With Business Ent Extras Checking and Savings accounts, you start earning immediately. You'll earn 4.00% APY5 on your first $500 in Ent Extras Free Business Checking and up to 6.00% APY5 on your first $500 in Ent Extras Business Savings. 

The smart move? Opt in to the Business Ent Extras program right away: the earlier you start, the more cash rewards you could earn. Here’s how it breaks down:

• Earn up to $350 on your loan balances
• Earn up to $350 on your deposit balances (excluding checking)

You’re looking at a maximum payout of up to $700 in January 2021. Learn more at Ent.com/EntExtras.

Business Ent Extras - Teller Guide.jpg

Open your business checking account and opt in to Business Ent Extras within online banking or at your local service center. 

 

*At all Ent and CO-OP Network ATMs. Transactions at ATMs not owned by Ent or in partnership with the CO-OP Network may incur a $1.50 fee per transaction.

1Transaction Item – An "item" is defined as any electronic or paper item being credited or debited from account. Exclusion: Online Banking, Telephone Banking, ATM transfers and transfers between Ent accounts do not count towards "Per Item Service Fee." 

2 Earns Dividends – The account will be credited all dividends earned during the statement billing period.

3Earnings Credit – Earnings credit calculates the average daily balance of the Analysis Checking and applies a designated earnings rate monthly used to offset Account Maintenance Fee, Per Item Fees and Miscellaneous Fees. Any additional earnings above the fee(s) offset will not be carried forward or credited to the account.

Account qualifications apply. Please review Ent’s Important Account Information and Business Fee Schedule for additional information.

There is no charge for Ent Mobile Text Banking or the Ent Mobile Banking App; however charges from your mobile service provider may apply. Please review Ent’s Important Account Information and Fee Schedule for additional information.
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5APY – Annual Percentage Yield.

A business or corporate Ent Extras Checking account will earn a 3.93% dividend rate on the first $500 average daily balance and the current dividend rate on any balance over $500. To earn this rate, a member must opt in to both an Ent Extras Savings and Checking account and have 5 debit or credit transactions on the checking account each month. Restrictions apply. Program may be changed or terminated at Ent’s sole discretion.

A business or corporate Ent Extras Savings account will earn a 5.84% dividend rate on the first $500 average daily balance and the current dividend rate on any balance over $500. If the business member has an Ent Savings account and only a Business Dividend or Analysis Checking account, they may still opt in to Ent Extras. They must opt in their business savings account in order to qualify for the benefits of Ent Extras, and they will not be required to complete 5 debit or credit transactions in the checking account each month.

Ent Extras Cash Rewards are based on a cumulative monthly average of the average daily balance up to a cap of $350,000 resulting in a maximum payout of $350 on deposits and $350 on loans at the .10% payout rate. Checking accounts are excluded from the annual cash rewards calculation.

Restrictions apply. Program may be changed or terminated at Ent’s sole discretion. Additional Program Information.