Business Checking
With a variety of options to suit your business's needs, our business checking accounts help you get the most out of your hard-earned money. Our team is rooted in northern Michigan and dedicated to helping businesses in our region thrive and grow.
To learn more about how we can help your business, contact us at our Beulah, Empire, Frankfort, Gaylord or Traverse City office.
Basic Business Checking
- Available to all businesses
- No minimum balance to open your account
- No monthly charge with average collected balance of $500
- Up to 100 free transaction items* every month
- Free monthly e-statement
- Free Online Banking and Mobile Banking
- Withdrawals from State Savings Bank ATMs are always free for our customers, but you can also withdraw funds from other banks’ ATMs, too. Withdraw funds up to five times per statement cycle at any ATM without a “foreign ATM charge.” Plus, we will refund up to $20 of other banks’ terminal surcharges each statement cycle!
Business Value Checking
- Available to all businesses
- No minimum balance to open your account
- No monthly charge with average collected balance of $3,500
- Up to 250 free transaction items* every month
- Free monthly e-statement
- Free Online Banking and Mobile Banking
- Withdrawals from State Savings Bank ATMs are always free for our customers, but you can also withdraw funds from other banks’ ATMs, too. Withdraw funds up to five times per statement cycle at any ATM without a “foreign ATM charge.” Plus, we will refund up to $20 of other banks’ terminal surcharges each statement cycle!
Business Interest Checking
- Available to all businesses
- Minimum balance of $1,000 to open your account
- Earn tiered interest on your money
- Up to 25 free transaction items* every month
- Free monthly e-statement
- Free Online Banking and Mobile Banking
- Withdrawals from State Savings Bank ATMs are always free for our customers, but you can also withdraw funds from other banks’ ATMs, too. Withdraw funds up to five times per statement cycle at any ATM without a “foreign ATM charge.” Plus, we will refund up to $20 of other banks’ terminal surcharges each statement cycle!
Analyzed Checking Account
- Available to all businesses
- No minimum balance to open your account and no minimum average balance
- No limit on transactions: pay only for the transactions you use
- Daily earnings credit
- Free monthly e-statement
- Free Online Banking and Mobile Banking
- Withdrawals from State Savings Bank ATMs are always free for our customers, but you can also withdraw funds from other banks’ ATMs, too. Withdraw funds up to five times per statement cycle at any ATM without a “foreign ATM charge.” Plus, we will refund up to $20 of other banks’ terminal surcharges each statement cycle!
Public NOW Checking
- Available to municipalities
- Open your account with just $1,000
- No monthly service charge on accounts with a daily minimum balance of $1,000
- Free monthly e-statement
- Interest accrues daily and is paid monthly
- Free Online Banking and Mobile Banking
- Withdrawals from State Savings Bank ATMs are always free for our customers, but you can also withdraw funds from other banks’ ATMs, too. Withdraw funds up to five times per statement cycle at any ATM without a “foreign ATM charge.” Plus, we will refund up to $20 of other banks’ terminal surcharges each statement cycle!
* Transaction items are defined as checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), ACH debits and credits, debit card purchases, and bill payment transactions made through State Savings Bank's Online Bill Pay service.