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A Perfect Checking Solution for Small Businesses

Small business owners and entrepreneurs are a different breed. Things like long days, short nights and tackling the daily challenges of running a business don’t phase them. Central Bank offers the Small Business checking account that provides all the services small business owners need with low fees. This means less time worrying about balance requirements and more time focused on building a great business to serve the community.

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Small business owners and entrepreneurs can use Small Business Checking to help them get their operation up and running with the numerous benefits of this account:​

  • Minimum to avoid fees/monthly maintenance: 
    • $100 average monthly balance. If below, $5/month. First month waived. 
  • 50 free monthly transactions. If over: 
    • $0.25/item for checks and deposit tickets
    • $0.25/item for deposited items on us
    • $0.25/item for deposited items not on us
  • Free Debit Card*
  • Free Online Statements or $5 for monthly statements mailed
  • Free Online Banking with Bill Pay
  • Free Mobile Banking** with Mobile Deposit*

Open your Small Business account by coming by any Central Bank location.

Closing fee of $30 applies to all accounts closed within 90 days of opening date. All account fees are subject to Iowa and local option sales tax, excluding our South Dakota locations. *Subject to approval. †If you receive an ATM surcharge, bring in or mail your original ATM receipt within 60 days and we will refund the surcharge. Excludes foreign surcharge fees. **Although Central Bank does not charge for Mobile Banking, standard text messaging and data plan fees from your mobile phone carrier may apply. Please consult your carrier before using Mobile Banking.

Is there an option for Online Banking?

Yes. With a Small Business checking account, you are able to view account history and make transfers between accounts.

Alysa Foster's Image

Alysa Foster

Branch Manager I | NMLS #903688

Location: Sioux City Morningside Branch

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Andrew Clausen's Image

Andrew Clausen

Branch Manager II | NMLS #1269268

Location: Urbandale 100th St. Branch

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Angela Reinert's Image

Angela Reinert

Personal Banker II

Location: Storm Lake Main Office

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Ashly Esquivel's Image

Ashly Esquivel

Relationship Banker II | NMLS#1744911

Location: Sioux City Main Office

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Blair Martyr's Image

Blair Martyr

Branch Manager I

Location: Spirit Lake Main Office

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Brittny Brunning's Image

Brittny Brunning

Branch Manager I

Location: Storm Lake North Branch

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Cole Bruening's Image

Cole Bruening

Relationship Banker I

Location: West Des Moines Mills Civic Branch

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Damon Punt's Image

Damon Punt

Branch Manager I

Location: Sioux Falls Minnesota Branch

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Dianna Tran's Image

Dianna Tran

Business Account Specialist

Location: Ankeny Main Office

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Ethan Moxnes's Image

Ethan Moxnes

Business Account Specialist

Location: Sioux Falls Western Branch

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Jessica Inrachavonga's Image

Jessica Inrachavonga

Retail Branch Supervisor

Location: Des Moines Highland Park Branch

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Joseph Sudbeck's Image

Joseph Sudbeck

Relationship Banker I

Location: Sioux Falls Western Branch

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Julie Dhabalt's Image

Julie Dhabalt

Retail Branch Supervisor

Location: Cherokee Main Office

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Karrie Meyerhoff's Image

Karrie Meyerhoff

Business Account Specialist | NMLS#1792391

Location: Sioux City Main Office

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Kaylea Struve's Image

Kaylea Struve

Branch Manager II | NMLS# 2014295

Location: Sioux City Main Office

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Logan Nolan's Image

Logan Nolan

Branch Manager II | NMLS#1267884

Location: West Des Moines Mills Civic Branch

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Nancy George's Image

Nancy George

Personal Banker II/Emerald Club Director

Location: Dakota Dunes Main Office

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Rhonda Rowe's Image

Rhonda Rowe

Branch Manager I

Location: Des Moines Ingersoll Branch

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Russell Asman's Image

Russell Asman

Branch Manager II | NMLS#1752613

Location: Des Moines Drake Branch

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Stacy Meyer's Image

Stacy Meyer

Personal Banker II/Emerald Club Director

Location: Storm Lake Main Office

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Wyatt Warkenthien's Image

Wyatt Warkenthien

Retail Branch Supervisor

Location: Sioux Falls 12th St. Branch

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Business Classic Savings

Lower balances. Access. And Interest.

Classic Savings for the small business.

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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