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Offset fees with a competitive Earnings Credit Allowance

Earn interest on your Premier Business Checking account balance and offset monthly fees with a competitive Earnings Credit Allowance.

Talk with a Business Banker today


BENEFITS

Raise the bar on business as usual

Your checking account should never hold you back, so we built in features that help you handle your money, your way.

Every 1st Security Bank business checking account includes:

  • Free debit card
  • Free bill pay
  • Free online statements
  • Free basic online banking
  • Free mobile banking
  • Free notary service
  • Free banking support
  • Free relationship review service
  • Multiple users per account
  • 38,000+ free ATMs in the MoneyPass network
  • Higher interest rates on qualifying CDs
Account Types

Premier Business Checking

* Earnings Credit Allowance helps offset fees *

It's for you if:
Your business makes frequent transactions or uses cash management services

  • Transaction limits:
    None
  • Cash deposited limit per statement cycle:
    N/A—$0.05/per $100
  • Earns interest?
    No
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $10
  • Reduced maintenance service charge requirements:
    Accumulate an Earnings Credit Allowance based on your balance to help offset fees. Learn more

1st Business Checking

More transactions as you grow

It's for you if:
Your business has a moderate need for monthly transactions

  • Transaction limits:
    250 items, plus 300 free check deposits
  • Cash deposited limit per statement cycle:
    $10,000
  • Earns interest?
    No
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $10.
  • $0 maintenance service charge requirements:
    Maintain a minimum daily balance of $1,500

Small Business Checking

Free with limited transactions

It's for you if:
You'd like to minimize expenses and don't need to make many monthly transactions

  • Transaction limits:
    200 items
  • Cash deposited limit per transaction cycle:
    $7,500
  • Earns interest?
    No
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0
  • $0 maintenance service charge requirements:
    None

Nonprofit Checking

Minimal requirements for more flexibility

It's for you if:
Your business is a nonprofit

  • Transaction limits:
    250 items, plus 300 free check deposits
  • Cash deposited limit per statement cycle:
    $10,000
  • Earns interest?
    No
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $10.
  • $0 maintenance service charge requirements:
    Do one or more of the following:
    •Maintain a minimum daily balance of $2,500
    •Complete 2+ external withdrawals

Pooled IOLTA Checking

It's for you if:
You are a lawyer who qualifies under Washington state law

  • Transaction limits:
    Contact us
    for more details
  • Cash deposit limit:
    Contact us for more details
  • Earns interest?
    Yes; Contact us for more details
  • Minimum to open:
    $25
  • Monthly maintenance service charge:
    $0
  • $0 maintenance service charge requirements:
    None
Business Services

Grow with us

Checking is just the beginning. We’re your partner in business growth at every stage of the journey.

  • Cash management services
  • Remote deposit capture
  • Small business loans
  • Commercial loans
  • Employee banking
  • Health Savings Accounts

Get started today

1) Share a few details

Head to your nearest branch to get started.

2) Fund your account

Transfer funds into your new 1st Security Bank account. Minimums may apply.

3) Enjoy better banking

Start reaching your business goals with convenient money management tools and support.


Frequently Asked Questions

What is an Earnings Credit Allowance?

An Earnings Credit Allowance (ECA) is a mechanism by which your Premier Business Checking account accrues credit based on the deposit balance of the account. The ECA is the total dollar value of credit that can be used to offset the service charges incurred during the analysis period.

Is the Earnings Credit Allowance taxable?

No, the earnings credit allowance accrued by your Premier Business Checking account is a non-taxable credit that is automatically applied to your account. The premier Business Checking account does not accrue interest.

How do I accrue an Earnings Credit Allowance?

The Earnings Credit Allowance is a standard feature of our Premier Business Checking account. The ECA is calculated and accrued daily based on the account balance. The ECA is automatically applied towards the cost of services and fees.