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Business Checking & Savings

Let's get down to business.

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Accounts and services designed to grow with you.

All business checking and savings accounts come with:

Electronic Statements,

Instant Issue Debit Mastercard®

Online & Mobile Banking

Accounting Software Compatibility

Business Checking & Savings Account

At Happy State Bank, a division of Centennial Bank, we have many account options to choose from. That’s why we provide you with options on finding the perfect account for your needs.

Business Checking

Lower balance & more account activity

  • $100 minimum deposit to open
  • Monthly transaction limit of 375 items per month for free ($.40 per each item in excess of 375)
  • $10 monthly service charge (if minimum daily balance falls below $2,500 on any day during the statement cycle)
Open Account Online

Benefits & Additional Information

Benefits

  • Online Banking
  • eStatements
  • Instant issue debit card1
  • Mobile app for smartphone or iPad®
  • Remote check deposit from a smartphone or iPad® (deposit check by taking its photo
  • Text messaging service and alerts
  • Basic Bill Pay
  • Telephone banking
  • Coin Machine Transactions (where available)
  • Overdraft privilege available with eligibility requirements
  • Save ATM receipts – Save money!

Additional Information

  • Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500.00/per month

Business Savings

Do you have business funds you don’t currently need to meet your daily cash flow? Why not deposit that money in a Happy State Bank, a division of Centennial Bank savings account, where it will remain liquid for any planned or unplanned business needs.

  • No minimum to open
  • $100 minimum daily balance (if balance falls below $100 on any day during the month a $3 service charge will apply)
  • Earns Interest
  • $5 charge for each withdrawal over six per month
  • No overdraft privilege available

 

Open Account Online
Business owner standing in her shop

Commercial Checking

Fast growing or established business

  • $100 minimum deposit to open
  • No monthly transaction limit
  • Earnings offset monthly (see Bank for details)
  • Monthly charge and item charges may be offset by earnings credit through monthly account analysis (Further details, disclosures and account analysis charge schedules available upon request)

 

Visit Branch to Open

Benefits & Additional Information

Benefits

  • Online Banking
  • eStatements
  • Instant issue debit card
  • Mobile app for smartphone or iPad®
  • Remote check deposit from a smartphone or iPad® (deposit check by taking its photo)
  • Text messaging service and alerts
  • Basic Bill Pay
  • Telephone banking
  • Coin Machine Transactions (where available)
  • Overdraft privilege available with eligibility requirements
  • Save ATM receipts – Save money!

Additional Information

  • Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500.00/per month.

Community Checking

Designed for Non-Profit Organizations

  • $100 minimum deposit to open
  • No monthly transaction limit
  • No monthly service charge
  • Earn Interest
Visit Branch to Open

Benefits & Additional Information

Benefits

  • Online Banking
  • eStatements
  • Instant Issue debit card
  • Mobile app for smartphone or iPad®
  • Remote check deposit from a smartphone or iPad®(deposit check by taking its photo)
  • Text messaging service and alerts
  • Basic Bill Pay
  • Telephone banking
  • Free Coin Machine Transactions (where available)
  • Overdraft privilege available with eligibility requirements
  • Save ATM receipts – Save money!
  • Treasury Management Services available

Additional Information

  • Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500/per month

Qualified Interest Checking

Created for Government or Sole Proprietor

  • $100 minimum deposit to open
  • No monthly transaction limit
  • $10 monthly service charge (if minimum daily balance falls below $2,500 on any day during the statement cycle)
  • Earn Interest
Visit Branch to Open

Benefits & Additional Information

Benefits

  • Online Banking
  • eStatements
  • Instant Issue debit card
  • Mobile app for smartphone or iPad®
  • Remote check deposit from a smartphone or iPad®(deposit check by taking its photo)
  • Text messaging service and alerts
  • Basic Bill Pay
  • Telephone banking
  • Free Coin Machine Transactions (where available)
  • Overdraft privilege available with eligibility requirements
  • Save ATM receipts – Save money!
  • Treasury Management Services available

Additional Information

  • Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500/per month

Business Opportunity 100

Re-establish strong financial reputation

  • $100 minimum deposit to open
  • No monthly transaction limit
  • $12.95 monthly service charge (eStatement required, monthly fee of $5 will be assessed for accounts not meeting this requirement)
Visit Branch to Open

Benefits & Additional Information

Benefits

  • Online Banking
  • eStatements
  • Instant Issue debit card
  • Mobile app for smartphone or iPad®
  • Remote check deposit from a smartphone or iPad®(deposit check by taking its photo)
  • Text messaging service and alerts
  • Basic Bill Pay
  • Telephone banking
  • Coin Machine Transactions (where available)
  • Save ATM receipts – Save money!

Additional Information

  • No overdraft privilege available
  • Business Checking accounts may incur a $.20 cash processing fee per each $100.00 in excess of $7,500/per month
  • Customer may be eligible for other checking products after 12 months in good standing in this account

Added Account Perks

Entitlements

Give others the ability to manage your accounts.

Mobile Deposit

Deposit checks on the go through our dedicated business mobile app.

Reporting Tools

Access detailed reports to monitor activity, cash flow and more.

Close up of woman filling out tax forms.

Savings options that serve your business needs.

Higher Interest

Business Money Market & Business Relationship Money Market Account

Saving money is essential. Whether you’re saving for a major purchase or simply want a safe place for your emergency funds, Happy State Bank, a division of Centennial Bank’s Business Money Market or Business Relationship Money Market account is a smart choice. Quick and easy access to your money when you need it.

  • $100 minimum opening balance
  • $2,500 minimum daily balance per statement cycle (if balance falls below $2,500 on any day during the statement cycle a $10 service charge will apply)
  • Earns interest
  • $10 charge for each withdrawal over six per month

Think you will maintain a minimum of $15,000 combined deposit balances per statement cycle? Keep many of the same benefits as our Business Money Market account but inquire about our Business Relationship Money Market Account versus the standard Business Money Market Account.

Guaranteed Return

Certificates of Deposit

Safely grow savings with CDs (certificates of deposit).

  • Open with as little as $1,000
  • Terms 6 months to 5 years
  • Guaranteed return

Cash Management Solutions

All the tools you need to help you grow your business

Information Reporting

Real-time business banking at your fingertips and on your schedule.

Receivables & Payables

Convert deposits into cash and automate the payment process.

Fraud Prevention

Safeguard transactions and minimize risk.

Liquidity Management

Maximize earnings on excess funds.

Get the best accounts for your business.

Happy State Bank, a division of Centennial Bank, has several tools and resources to keep your business on track.