Get started with the right business checking account

We take care of your business with a relationship that pairs local Private Client Service coverage and documented product economics, so fees, waivers, and controls are never a scavenger hunt at month-end.

Compare accounts
Coworkers reviewing business data together on a computer.

Explore business checking options.

Whether you are just getting started or focusing on growth, we help you pick a lane that matches transaction volume, cash handling, and treasury complexity, without burying economics in footnotes.

Sky Essentials Business Checking

Predictable fees and digital tools for lean operating teams.

Benefits

  • 50 total combined transactions per month at no charge1
  • No charge for the first $2,000 in cash deposits per month; $0.0031 fee (per dollar) on amounts from $2,001+
  • $0 monthly maintenance fee
  • Sky business debit card with option to personalize for you and your employees
Open now Learn more

Sky Premier Business Checking

Higher limits, reporting exports, and relationship pricing for growing firms.

Benefits

  • 225 total combined transactions per month at no charge1
  • No charge for the first $10,000 in cash deposits per month; $0.0031 fee (per dollar) on amounts from $10,001+
  • $25 monthly maintenance fee (waived with $5,000 average relationship ledger balance)2
  • Sky business debit card with option to personalize for you and your employees
Open now Learn more

Sky Elite Business Checking

Treasury throughput, dual controls, and sweeps documented for audit.

Benefits

  • 500 total combined transactions per month at no charge1
  • No charge for the first $25,000 in cash deposits per month; $0.0025 fee (per dollar) on amounts from $25,001+
  • $0 monthly maintenance fee with qualifying combined business operating and treasury relationship balances2
  • Sky business debit card with option to personalize for you and your employees
Open now Learn more

Comparison at a glance

Sky Essentials Business Sky Premier Business Sky Elite Business
Open an account Open now Open now Open now
Best for Lean teams building payroll, AP, and card programs Growing firms with higher activity and reporting needs High wire volume, sweeps, and multi-user treasury controls
Monthly maintenance $0 with published program rules $25; waived with $5,000 average relationship ledger balance2 $0 with qualifying combined operating and treasury balances2
Minimum opening deposit $100 $100 $100
Combined transactions 50 per month included; excess per Schedule of Fees1 225 per month included; excess per Schedule of Fees1 500 per month included; excess per Schedule of Fees1
Cash processing First $2,000 per month no charge; $0.0031 per dollar above1 First $10,000 per month no charge; $0.0031 per dollar above1 First $25,000 per month no charge; $0.0025 per dollar above1
Debit card Business debit; personalization where offered Business debit; personalization where offered Business debit; dual-control templates and wire alignment when enrolled
Incoming domestic wires Per-item fees per Schedule of Fees May include limited incoming wire credits when disclosed Repair SLAs and fee schedule in Commercial Services Guide

What You Need to Open an Account

Review structure-specific documents, owner details, and signer information before you start an application. Our opening requirements checklist helps you gather everything in one place.

View opening requirements

Contact us

We are here to hear and help. Choose the path that fits your calendar.

Make an appointment

Schedule an in-person or virtual conversation with Private Client Service or a business banker.

Schedule an appointment

Call us

Talk to a specialist about checking, treasury overlays, or documentation before you apply.

Private Client Service: +1 317 552 0423

Mon–Fri 8:00 a.m. to 8:00 p.m. ET

Explore related products & offerings

Business savings

Business savings accounts

Compare Sky business savings and money market options to put idle balances to work. Tiers, waivers, and disclosures are confirmed at account opening.

Learn more
Business lending

Business term loans

Explore fixed or floating rate term loans for equipment, expansion, and working capital, with amortization and covenants documented in your commitment package.

Learn more
Credit cards

Business credit cards

Find the small business card that matches spend and reporting needs. Compare rewards, travel, and corporate options side by side.

Learn more
Business banking

Payment solutions

Coordinate treasury services, operating entitlements, and payment workflows with a named banker, from onboarding through recurring support.

Learn more