Small Business Checking – Features

All-in-one checking for all of your not-so-small business needs.

Get more from your account — like built-in invoicing and digital payment acceptance, for starters.

COMES WITH Digital Payment Acceptance

Including credit card payments, as well as digital invoicing — all set up and ready for you to get paid faster.

ALLOWS YOU TO Manage & Track Payments

Including invoices, deposits, withdrawals, and more — all in one place: your online and mobile banking.

YOU ALSO GET Personal Service & Expertise

From an expert you trust, supported by a financial institution that isn’t going away any time soon: [DigiBank].

What you need to open an account.

Find out what information and documentation you need to open an account online or at a [DigiBank] near you. Learn more.

Apply Now

Account Features

Send digital invoices — get paid faster

Prefer invoicing? Send customers a professional invoice or estimate right from [DigiBank's] digital banking. For added flexibility, set up recurring invoices, payment/past due reminders, and sales tax rates.

Transparent processing fees

Our processing rates are transparent and there is no third-party app required — offering you the most reliable way to get paid directly into your checking account.

Add on the complete accounting and reporting solution, whenever you’re ready

Do more with [DigiBank] [Small Business] Checking. Add on financial management functionality — available inside your digital banking — when you’re ready. Get financial reporting, accounting, bookkeeping, and more.

Accept electronic payments — right into your account

Businesses and nonprofits are provided with a unique link to a secure payment form — which can then be shared with paying customers via text, email, or even pasted into a web page. Payments go directly into your account.

[Small Business] Checking

More than just a regular business account.

Feature DigiBank Competitor Third Party
Send digital invoices ✅ ❌ ✅
Accept card and direct account payments online. ✅ ❌ ✅
Accept payments directly within online and mobile banking ✅ ❌ ✅
Track status in real time ✅ ❌ ✅
Send estimates ✅ ❌ ✅
Access customer payments instantly ✅ ❌ ✅
Cash flow management ✅ ❌ ✅
Live support ✅ ✅ ✅
Accounting and reporting integrations ✅ ❌ ❌
Customer payments directly deposited into your bank account. ✅ ✅ ❌
Visit a branch for additional needs ✅ ✅ ❌
FDIC insurance ✅ ✅ ❌

What you get

What you pay

Minimum deposit to open account $25

Monthly account fee $10

Monthly accounting upgrade $9.99

ATM fees Waived

Invoicing module No monthly service fee

Accept credit card payments 3.49%

Accept ACH payments 1%

FAQs

How do I get started with accepting online card payments from my customers? After opening your checking account, you can enroll in minutes and begin sending invoices and/or receiving electronic payments.

How can I get paid online without sending an invoice? You can easily accept payments directly inside online banking or through a free payment form app. You can also share a secure link to pay now everywhere you communicate with customers — on invoices, via text message, email, your website and more.

Can I link the payment form to my website? Yes. Just add your unique, secure payment form link to your web page or social media profile. You can even adjust the wording on your form to instead show donations or contributions.

How much do you charge to accept online payments? When you accept a card not present payment, you will incur a 3.49% transaction fee. This fee is competitive when compared to online card-not-present solutions offered in market. For ACH-based payments, you will incur a 1% transaction fee. This fee is competitive when compared to online card-not-present solutions offered in market.

What if I want to add the optional accounting package to my checking? What is the monthly fee? There is a monthly fee of $9.99 to add the optional accounting package to your checking account.