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Business Checking

Providing simple solutions to help your business thrive.


Business is competitive, and it's our goal to give you a competitive edge by providing a responsive banking relationship.

Whether your company or entity is a sole proprietorship, a large corporation, or a municipality, we have an account to suit your needs! You'll also find a full array of business banking products, including online business bankingloan products, and many more. For a personal meeting at your convenience, please call our business banking specialists at (607) 737-3711 or 1-800-836-3711 or contact us.

We recently updated our Business Checking Accounts. For details on accounts that were opened prior to the year 2020, please click here.

checking rates

Find the Business Checking Account that works best for you and your business.
Business Checking

Business Checking

Premier Business Checking

Premier Business

Analyzed Business Checking

Analyzed Business

Zero Balance Checking

Zero Balance

NOW Account

NOW Account

Which is Right for Your Business?Ideal for small businesses with relatively low account activityBusinesses with higher volumes of transactions and larger balancesBusinesses with high volumes of monthly transactions providing access to a suite of treasury management servicesBusinesses that maintain a general operating account and separate accounts for payroll, petty cash or other needsProvides municipalities and not-for-profit organizations with check-writing privileges, while earning interest on entire available balance
Minimum Opening Deposit$25$25$25$25$1,000
How to Waive Your Monthly Service Charge$500 average available monthly balance$10,000 average available monthly balanceNoneNone$1,000 average daily available balance
Monthly Service ChargeIf balance requirements not met: $10.00 with e-Statements; $15.00 without e-StatementsIf balance requirements not met: $15.00 with e-Statements; $20.00 without e-Statements$15$25Please refer to our Business Account Fee Schedule for current fees
Earnings AllowanceNoNoYes; Based on average available daily balanceNoVariable interest rate that is tiered based on the amount in the account
Number of Free Transactions*100, then $0.35 per transaction300, then $0.25 per transactionNone; $0.15 per transaction; $0.25 per $1,000 cash depositedNoneNone

*Transactions include checks paid and deposited, deposit tickets and electronic transactions