Best Checking Accounts for Business

Whether you have an established business or you’re just getting your startup off the ground, United Community Bank can help you find the best checking account for your business needs. We offer flexible, scalable business checking and cash management solutions that can grow along with your company, affording you peace of mind while you concentrate on your organization’s goals.

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Our Best Checking Account Options

From startups to midsize businesses to large corporations, we know that every financial situation is different. That’s why our business checking products offer the features to fit your needs. Use our selection tool below to learn which account may be right for you. 




Ideal for businesses that average less than 250 monthly combined items or less than $15,000 monthly cash deposited

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Ideal for businesses that average between 250 and 500 monthly combined items or have more than $15,000 monthly cash deposited

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Open An Account


Ideal for businesses that average more than 500 monthly combined items and maintain $150,000 or more in average deposit balances

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Open An Account

All business checking products in the following comparison table will be stated by the screen reader, but based on your preferences, we recommend

Business Freedom CheckingBusiness Select CheckingBusiness Analysis Checking
Minimum Opening Deposit$100$100$100
Monthly Service Charge$0$12.50$25
Maintain to Avoid Monthly Service Charge-$2,500 minimum daily balance 
$10,000 in combined deposits1
$50,000 in outstanding loan balances2
Earnings credit, based on collected monthly average balance, can offset monthly maintenance charge and other service fees.  
Monthly Combined Item3 Limit250500Per transaction fees apply, which can be offset by earnings credit
Excess Combined Item Fee4$0.40 per item after 250$0.40 per item after 500Per transaction fees apply, which can be offset by earnings credit
Monthly Cash Deposited Limit$10,000
($0.15 per $100 thereafter)
Unlimited$0.15 per $100
Paper Statements$3--
Earns InterestNoNoNo

All United Community Bank business checking accounts offer convenient services that make banking even easier.

Other Specialty Account Options

1Deposits include minimum daily balance combined from related business checking, CDs and MMDAs for the preceding month.
2Loans include outstanding (i.e. principal) balances from combined business loans.
3Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments and electronic debits and credits (including debit card transactions).
4“Excess Combined Item Fee” will appear as “Activity Charge” on monthly statement.
5Upon credit approval.
6Fees may apply.
7Requires high speed internet.
8Message and data rates may apply. Fees may apply for certain optional services available through Online and Mobile Banking.