Business Deposit Accounts

Maximize the efficiency and earning potential of your receipts.

You have options when it comes to managing your assets. USAmeriBank offers a wide array of account choices. Together, we'll assemble the combination of accounts that meet your requirements and complement your type of business.

Business Checking
  • $100 Minimum Deposit to Open
  • $10 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $3,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $25,000 in combined average balances of deposit relationship and/or loan balances.
  • 500 processed items free, $0.25 each after first 500
  • Free Basic Business Internet Banking
  • Free Debit MasterCard®
Business Interest Checking
  • $100 Minimum Deposit to Open
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $5,000 required to earn interest.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $3,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $25,000 in combined average balances of deposit relationship and/or loan balances.
  • Unlimited Transactions
  • Free Basic Business Internet Banking
  • Free Debit MasterCard®
  • Available to sole proprietorship businesses and non-profit organizations only
Business Money Market
  • $1,500 Minimum Deposit to Open
  • Tiered interest rate structure. Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $2,500 required to earn interest.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $2,500 minimum daily balance.
  • Six (6) total withdrawals or debit transactions are allowed each month; additional debits, withdrawals, checks, or drafts are $5 each, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
  • Free Basic Business Internet Banking
Business Analysis Checking

An Analysis Checking Account is used by business customers who benefit from earning credit for deposit balances to offset service fees. All related business checking accounts can be linked to combine balances and offset fees. The Earnings Credit Rate is determined at the bank's discretion and may change from time to time.

     $0.15 Per Check/Debit Item

     $0.30 Per Deposit/Credit Item

     $0.11 Per Deposited Item

     $15.00 Monthly Maintenance Fee

Business Savings
  • $100 Minimum Deposit to Open
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $100 required to earn interest.
  • $3 quarterly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $300 minimum daily balance.
  • Two (2) total withdrawals or debit transactions are allowed per month, additional debits are $2 each; regardless of balance (withdrawal limits may apply).
Certificates of Deposit

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, USAmeriBank offers a variety of CD options and term lengths. Competitive interest is compounded daily. CD accounts have no fees. However, substantial penalties will apply for early withdrawals. CD accounts earn interest at the Rate and Annual Percentage Yield (APY) printed on the face of the certificate for the initial term of the certificate. For each automatic renewal, the interest Rate and Annual Percentage Yield will renew at the prevailing APY and for the same term length.

CDARS®

Certificate of Deposit Account Registry Service®, or CDARS®, is a service that allows USAmeriBank to provide customers with access to full FDIC insurance on CD investments up to $50 million. USAmeriBank is part of a network of banks that allows us to place funds into CDs issued by other banks in the network. Both principal and interest are eligible for FDIC coverage. The customer will receive one statement from USAmeriBank summarizing all of the CDARS® holdings.