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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.
Product Business Checking Commercial Checking Star Rate Commercial Business Savings
Opening Deposit $100 $100 $100 $100
Monthly Service Fee $10 monthly service charge if account falls below $0 during statement cycle Monthly charge and item charge may be offset by earnings credit through monthly account analysis Analyzed $100 minimum balance per month to avoid $3 monthly service charge
Interest N/A Earnings Offset Tiered Interest No interest tiers
Activity or Limits 375 items per month free, $.40 per items in excess of 375 per month $500 overdraft limit - no tiered limits $500 overdraft limit - no tiered limits No overdraft limit available
Statements Free eStatements - paper statements $10/month Free eStatements - paper statements $10/month Free eStatements - paper statements $10/month Free eStatements - paper statements $10/month
Checks Yes Yes Yes No
Debit Cards Yes Yes Yes No

Added Account Perks


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

Earn higher interest with flexibility.

  • $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
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.