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  City Bank Small Business Checking Account

City Bank Small Business Checking Account

in Business Checking Accounts from City Bank · Member fdic

Unaffiliated

City Bank Small Business Checking Account

Unaffiliated

in Business Checking Accounts from City Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

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 across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, City Bank Small Business Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • $100 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through City Bank.
  • Hard credit pull. City Bank may require a hard pull on your credit report to open a checking account.
City Bank Small Business Checking Account Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
City Bank Small Business Checking Account FAQ

Are business checking accounts from City Bank federally insured?

Yes, your City Bank business checking accounts are insured up to $250,000 per person 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.

City Bank Small Business Checking Account Account Minimums
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.

City Bank Small Business Checking Account Fees
Description
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.50
Early Account Closure $15
Foreign Transaction Fee (Debit Card) 1.5%
Monthly Fee $0
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $33
Returned Deposit Fee (International) $33
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $70

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 5:00am
  • Saturday Closed

Other Services by City Bank

Icon for Business Checking Accounts
View all business checking accounts offered by City Bank

Availability

  Available in 2 states
  • New Mexico
  • Texas

Feature Breakdown

Minimum Initial Deposit $100
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $1.50
Early Account Closure $15
Foreign Transaction Fee (Debit Card) 1.5%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $33
Returned Deposit Fee (International) $33
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $70
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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