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Business Banking

Banking that means business

From startup to enterprise, we provide the accounts, tools, and expertise to help your business thrive at every stage of growth.

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Checking Savings Loans & Credit Merchant Services Payroll Treasury Management

Checking built for how you work

From sole proprietors to corporations, we have an account for every business size and transaction volume.

Business Starter

Perfect for new businesses and sole proprietors. Simple, affordable, and no surprises.

  • $0 monthly fee first year
  • 200 free transactions/month
  • Free online and mobile banking
  • Free first order of checks
  • 2 free employee debit cards
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MOST POPULAR

Business Advantage

For growing businesses needing more transactions and enhanced cash management tools.

  • $15/mo fee (waived w/ $10K)
  • 500 free transactions/month
  • ACH origination included
  • 5 free employee debit cards
  • Free wire transfers (domestic)
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Business Premium

Designed for established businesses with high transaction volumes and complex cash needs.

  • $35/mo (waived w/ $50K)
  • Unlimited transactions
  • Free domestic & intl wires
  • Dedicated relationship banker
  • Full treasury management
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Account Comparison

Feature Business Starter Business Advantage Business Premium
Monthly Fee $0 (Year 1) $15 $35
Fee Waiver N/A $10,000 balance $50,000 balance
Free Transactions 200/month 500/month Unlimited
ACH Origination Add-on Included Included
Domestic Wires $25 each Free Free
International Wires $45 each $20 each Free
Employee Cards 2 free 5 free Unlimited
Relationship Banker — — ✓ Dedicated
Treasury Management — Basic Full Suite

Make your business cash work

Our Business Money Market Account lets your operating reserves earn competitive rates while staying accessible. Earn up to 4.75% APY on balances over $10,000.

  • Tiered rates — more balance, higher rate
  • Check writing privileges included
  • FDIC insured up to $250,000
  • Link to your business checking
Open Business Savings
$0–$9,999
%4.25
APY
$50K–$99,999
%4.90
APY
$100,000+
%5.00
APY

Capital to fuel your growth

Fast decisions, competitive rates, and flexible terms designed for business.

Business Line of Credit

Revolving credit up to $500K. Draw funds as needed, pay only on what you use. Perfect for working capital and cash flow gaps.

Rates from 7.99% APR · $25K – $500K · Revolving
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Business Term Loan

Fixed-rate financing for equipment, expansion, acquisitions, or major purchases. Predictable payments with no surprises.

Rates from 6.50% APR · Up to $5M · 1–10 years
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Commercial Real Estate

Finance or refinance your commercial property with competitive long-term rates and expert guidance from our CRE team.

Rates from 6.875% APR · Up to $10M · 20–25 years
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SBA Preferred Lender

EverInternational Bank is an SBA Preferred Lender. We can process SBA 7(a) and 504 loans faster — often in as little as 10 business days. Lower down payments, longer repayment terms, and government-backed guarantees.

Talk to an SBA Specialist

Accept every payment, everywhere

From in-store card readers to full e-commerce integrations, our merchant services platform helps you accept payments seamlessly with next-day funding to your EverInternational Bank account.

In-Store
Smart terminals, tap-to-pay
Online
Payment gateway, APIs
Mobile
Swipe on any device
Invoicing
Email & text invoices
Get a Custom Quote

Transaction Rates

Interchange-plus pricing starting at 2.6% + 10¢ per transaction. Volume discounts available.

Next-Day Funding

Funds deposited to your EverInternational Bank checking account the next business day. No waiting.

24/7 Fraud Monitoring

AI-powered fraud detection with zero-liability protection for unauthorized transactions.

Pay your team with confidence

Full-service payroll integrated with your business checking account. Automated tax filing, direct deposit, and HR tools in one platform.

Direct Deposit

Same-day ACH direct deposit for all employees. No checks to cut.

Tax Filing

Automated federal and state tax calculations, deposits, and filings.

HR Management

Onboarding, PTO tracking, and benefits administration tools built in.

Reports

Detailed payroll reports synced to your accounting software.

Sophisticated tools for complex cash needs

For mid-market and enterprise businesses that need to optimize liquidity, automate cash movement, and control disbursements.

Automated Sweep

Automatically move excess funds from checking to higher-yield accounts each night. Maximize returns without manual intervention.

Positive Pay

Prevent check fraud by matching issued checks against presented items before payment. Full control over disbursements.

Controlled Disbursement

Get early morning notification of daily check presentments for precise daily cash positioning and float management.

Integrated Receivables

Consolidate lockbox, ACH, and electronic remittance data into a single, reconciled receivables stream.

Account Analysis

Detailed monthly account analysis statements showing all service charges, credits, and average balances.

API Banking

Integrate EverInternational Bank directly into your ERP or accounting software via secure REST APIs for automated payments and reporting.

Ready to grow with a banking partner?

Our business bankers are available Monday–Friday 8 am – 8 pm ET to help you find the right solutions.

Open Business Account Call 1-800-555-9870