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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

  • $100 minimum amount to open
  • Transaction limit of 375 items per statement cycle at no charge ($.40 per each item in excess of 375
  • $10 service charge per statement cycle (if balance falls below $0 on any day during the statement cycle)
Open Account Online

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

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

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 amount to open
  • No transaction limit
  • Earnings credit offsets service charges (see Bank for details)
  • Service charges and item fees may be offset by an earnings credit through account analysis each statement cycle. (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)
  • 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 statement cycle

Community Checking

Designed for Non-Profit Organizations

  • $100 minimum amount to open
  • No transaction limit
  • No 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)
  • 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 statement cycle

Qualified Interest Checking

Created for Government or Sole Proprietor

  • $100 minimum amount to open
  • No transaction limit
  • $10 service charge per statement cycle (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)
  • 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 statement cycle

Business Opportunity 100

Re-establish strong financial reputation

  • $100 minimum amount to open
  • No transaction limit
  • $12.95 service charge per statement cycle. An additional $5 fee per statement cycle will be assessed for accounts not enrolled in eStatements.
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 statement cycle
  • 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.

Business Money Market

  • $100 minimum amount to open
  • $10 service charge per statement cycle (if the balance falls below $2,500 on any day of the statement cycle)
  • Earns interest
  •  $10 fee for each withdrawal in excess of six per statement cycle

Business Relationship Money Market

  • $100 minimum amount to open
  • $10 service charge per statement cycle (if combined minimum deposit balance falls below $15,000 on any day of the statement cycle)
  • Earns interest (Tiered Interest)
  • $10 fee for each withdrawal in excess of six per statement cycle

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.
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Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will." "At-will" means employees are free to resign at any time, with or without cause. Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice. No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy. This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

Click here to view Know Your Rights: Workplace Discrimination is Illegal provided by the EEOC.

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Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Happy State Bank has been working with a third party accessibility specialist and has had its website live user tested by a visually impaired individual to make sure the website is accessible. Accessibility is an ongoing goal of Happy State Bank.

If you have difficulty accessing features or functions on this website, please email us at info@happybank.com during regular business hours and we will work with you to provide the information you seek.

By clicking the “I Understand – Continue” button, you will be re-directed to a new website. The site to which you will be connected has its own accessibility, security and privacy policies and may provide less accessibility and/or security than the current site. Happy State Bank has no control over, and takes no responsibility for the content or performance of any linked website.