Business Checking Account Comparison

We tailor our Business checking account options to meet the needs of our local business owners, professionals, and nonprofit partners. See something you like? Visit your local Oregon Pacific Bank branch to open your account today!

	Opening Balance	Daily Balance Requirement	Interest Earnings	Items per Month	Statement Fee	Included Services
Business Checking	$100 minimum	None	None	100 total debits, credits, and items deposited per month; $0.20 per item over 100	$5 monthly statement service charge waived if enrolled in e-statements	- Free access to Online Banking for View and Transfer Services
Interest Business Checking	$100 minimum	$2,500 min daily balance, otherwise $10 monthly service charge	Interest earned on balances of $10,000 or greater	300 total debits, credits, and items deposited per month; $0.20 per item over 300	$5 monthly statement service charge waived if enrolled in e-statements	- Free access to Online Banking for View and Transfer Services
Expanded Business Checking	$100 minimum	$100,000 average daily balance, otherwise $60 monthly service charge	Interest earned on account balances of $10,000 or greater	400 total debits, credits, and items deposited per month; $0.20 per item over 400	None	- Free access to Business Online Banking Cash Management Services, Online Bill Pay, and Positive Pay - 2 free Payroll or Billing ACH files transmitted per month; $5 per file after the first 2 - Free Remote Deposit Capture with no set-up fee, no monthly maintenance fee, and 1 manual-feed check image scanner provided
Charitable Checking	$100 minimum	None	Interest earned on the entire account balance	No restriction on items per month	None	- With an Oregon Pacific Bank Merchant Service account, we will reimburse up to $500 of Merchant Service fees and provide loaner Payment Processing Terminals for one of your organization’s fundraising events per year - Business must meet eligibility requirements of a charitable/non-profit organization to apply for a Charitable Checking Account
Analysis Business Checking	$100 minimum	No daily balance requirement. $12.00 monthly maintenance fee. Balancing management fee is $0.10 per thousand.	Earnings credit available at competitive rate to offset charges	No restriction on items per month	None	- Monthly analysis statement details average available balance, earnings credit summary, activity summary, costs, and balance requirements to support activity - See Relationship Banking Specialist for complete Analysis Business Checking fee schedule

All Oregon Pacific Bank depository accounts come with the following services included:

First Oregon Pacific Bank ATM or Debit Card issued free of service charge

Unlimited access to Oregon Pacific Bank and MoneyPass® network ATMs with no activity charge

No monthly service charge for Online Banking, Bill Pay, Mobile Banking, and Mobile Deposit

Little Theatre on the Bay applauds OPB’s nonprofit services

“Oregon Pacific Bank recognizes that a strong arts community helps promote a strong community, in general … In order for continual growth to occur, all businesses must be developed with help from each other.”

– Jeanne Woods

Home Comfort Heating and OPB create a climate for business

“I would highly recommend Oregon Pacific Bank to anyone who is looking to make a change from another banking institution. They have awesome personal bankers, and their customer service is five-star!”

– Jeff Elling

Socks to a T discovers a perfect fit at Oregon Pacific Bank

“We have banked with Oregon Pacific Bank for over 20 years and have been very satisfied with the friendly staff and with all the services they provide.”

– Dave Twombly

Florence Motorsports revs up business with OPB

“We walk in the bank and they all know who we are and all are eager to go the extra mile to give us the best customer service.”

– Deb Costa

Chuck’s Seafood nets big benefits from small-town banking

“The best part about Oregon Pacific Bank is the friendly and helpful staff. It’s really what makes them stand out from other banks. They care about and understand the hard work that we put into our business.”

– Heath Hampel

All About Olives banks on OPB for its home-town biz

“We know the people who work at Oregon Pacific Bank, and right from the beginning they made us feel like we—and our business—mattered to them.”

– Lynne Twombly