Last Updated: 04/18/2025
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Highlights
Monthly Maintenance Fee
$0(Verified 03/19/2025)
ATM Fee: Out-of-Network (within the U.S.)
Starting at $1.50
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
City Bank Small Business Checking Account Review
City Bank Small Business Checking Account is offered by City Bank, a credit union founded in 1941 and based in Lubbock, TX. City Bank Small Business Checking Account is available in 2 states.
Key Takeaways
- 0% APY. As with most checking accounts, City Bank Small Business Checking Account does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in City Bank mobile or online banking.
City Bank Small Business Checking Account Pros & Cons
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City Bank Small Business Checking Account FAQ
Are business checking accounts from City Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #25103). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does City Bank Small Business Checking Account offer?
City Bank Small Business Checking Account is not an interest-bearing account.
What are the account minimums for City Bank Small Business Checking Account?
City Bank Small Business Checking Account requires a minimum initial deposit of $100 to open an account.
| Description | Amount |
| Minimum Initial Deposit | $100 |
What fees does City Bank Small Business Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does City Bank Small Business Checking Account offer?
This account includes the following features:
- Fraud monitoring - City Bank Small Business Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - City Bank Small Business Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Message from City Bank Small Business Checking Account
Hours of Operation
SundayClosedMondayInvalid DateTime - Invalid DateTimeTuesdayInvalid DateTime - Invalid DateTimeWednesdayInvalid DateTime - Invalid DateTimeThursdayInvalid DateTime - Invalid DateTimeFridayInvalid DateTime - Invalid DateTimeSaturdayClosed
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Other Business Checking Accounts from City Bank
Rating not yet determined
Monthly Service Fee
$20
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
Starting at $1.50
Minimum Average Balance to Avoid Monthly Service Fee
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Rating not yet determined
Monthly Service Fee
$20
Disclaimer popup with additional information
ATM Fee: Out-of-Network (within the U.S.)
Starting at $1.50
Minimum Average Balance to Avoid Monthly Service Fee
Starting at $1.5K
APY (Annual Percentage Yield)
Starting at 0.01%
Disclaimer popup with additional information
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