Business Checking Accounts

Small Business Checking

An account designed with the small business owner in mind. All the benefits you need in convenience, savings, and security.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $5.00
Call us today at (800) 246‑4402 to get started, or just drop by a local office.

Account Benefits: This account offers ACH Origination (refer to fee schedule), no annual fee business credit card (upon qualification), mobile banking, online banking, bill payment, and debit card (upon qualification).

Other Charges: No charge for the first 50 debit transactions (checks paid, withdrawals, automatic transfer or payment out of account), per monthly statement period. First 100 deposited items at no charge, per monthly statement period. A debit fee and item deposit fee of $0.15 will be assessed for each additional debit transaction or item deposited.

Monthly Service Charge Waived If: A minimum daily balance of $500.00 is maintained during the monthly statement period.

View Our Bank Fees.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Business Interest Checking

An interest-bearing business checking account with a solid set of benefits.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $10.00
Call us today at (800) 246‑4402 to get started, or just drop by a local office.

Account Benefits: This account offers ACH Origination (refer to fee schedule), no annual fee business credit card (upon qualification), mobile banking, online banking, bill payment, and debit card (upon qualification).

 

Interest: This account is an interest-bearing account. The interest rate and annual percentage yield may change at any time. Interest will be compounded daily and will be credited to the account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Monthly Service Charge Waived If: A minimum daily balance of $1,500.00 is maintained during the monthly statement period.

Limitations: Available to Sole Proprietorships and Non-Profit Organizations only. Non-Profits must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

View Our Bank Fees.

Interest Information: Your interest rate and annual percentage yield may change at any time. Contact a New Accounts representative for a current Interest Rate Information sheet that lists the interest rates and corresponding annual percentage yields for accounts.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Federal regulations require that Skagit Bank reserves the right to at any time, require not less than 7 days written notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as defined by Regulation D. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up this right.

Commercial Checking

A checking account designed for businesses with higher monthly account balances and transaction volume.
Minimum Opening Deposit: $100.00
Monthly Service Charge: $8.00
Call us today at (800) 246‑4402 to get started, or just drop by a local office.

Account Benefits: You will earn a credit of 0.10% of the average monthly collected balance to be applied against monthly activity fees. This account offers ACH Origination (refer to fee schedule), no annual fee business credit card (upon qualification), mobile banking, online banking, bill payment, and debit card (upon qualification).

Other Charges: A debit fee of $0.15 will be assessed for each debit transaction (checks paid, withdrawals, automatic transfer, or payment out of account), per monthly statement period. An item deposit fee of $0.09 will be charged for each item deposited per monthly statement period.

View Our Bank Fees.

Note: Under current state abandoned property law, any property unclaimed after three years (with the exception of safe deposit boxes) must be relinquished to the custody of the State of Washington.

Debit Cards

MasterMoney Business Debit Cards

Credit card convenience... without another monthly bill.

The Skagit Bank MasterMoney Debit Card is not a credit card, however:

  • It can be used anywhere MasterCard® is accepted worldwide.
  • It automatically deducts each transaction from your Skagit Bank checking account.
  • It’s your Skagit Bank ATM card, allowing you to access cash at any ATM machine displaying the MasterCard®, Exchange, or Star logos, and purchase groceries or gas at any business displaying the Accel logo.

It’s free and saves you money!

  • No annual fees or membership fees!
  • No transaction fees!
  • No interest fees because transactions are automatically deducted from your Skagit Bank checking account.
  • Use your card instead of writing a check and save on check reorders!

Read the frequently asked questions about our debit cards.

It’s easy to use!

  • Just present the card as you would a credit card.
  • Transactions appear on your checking account statement—no separate bill!
  • Even more accepted than a MasterCard®!

Use your MasterMoney Debit Card at:

  • ATM Networks—The Exchange/Accel, Mastercard, and Star.
  • Anywhere MasterCard® is accepted.

Loss or Theft of Your Cards or Unauthorized Use:
If you believe your Skagit Bank ATM card has been lost or stolen, contact us IMMEDIATELY:

Business Days—(360) 755-9311 or (800) 246-4402
Nights, Holidays and Weekends—(877) 226-2351 or (888) 227-3096

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