Checking Accounts

Select the account that's right for your business

  Business Limited Business Checking Organizational Checking Business NOW Business Money Market Investment Account
Amount to Open $0 $100 $0 $1,000 $1,000
Online Banking check check check check check
Withdrawal Limit unlimited unlimited unlimited unlimited 6 per statement cycle
Fees see details see details no monthly fee  see details see details
Rates doesn't earn interest doesn't earn interest doesn't earn interest Call us for current rates Call us for current rates
Statements monthly monthly annually monthly  monthly
E-Statements check check check check check

Business Limited Checking

Ideal for the small business, low volume user 

  • No minimum to open 
  • $500 minimum average balance required ​ ​
    • $5 monthly maintenance fee applies if account is below the minimum average balance 
  • Receive a complimentary endorsement stamp with your new account
  • Monthly statement with images (E-Statements available)
  • Enjoy 250 paper items at no charge, per monthly cycle 
    • 20 cents per item fee assessed after the 250 limit is reached
    • items include paper credits, debits, transit and on-us deposited items. Electronic items are not assessed a fee

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Business Checking

For a higher balance carrying business.

  • No minimum balance
  • $100 deposit required to open 
  • Receive earnings credit* 
  • $4 monthly maintenance fee per statement cycle
  • $0.04 foreign check deposit fee for each foreign check deposited into the account (foreign check refers to all checks not drawn from Bank of the Flint Hills)
  • Monthly statement with images (E-Statements available)

*This account features an earnings credit which is designed to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid or allowed to carry forward any excess earnings. The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period. At any time and at our discretion, the periodic earnings rate may change. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle. Earnings credit begins to accrue no later than the business day we receive credit for the deposit of non-cash items. 

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Organizational Checking

Ideal for clubs or small organizations.

  • No minimum deposit to open
  • No minimum balance required

  • No monthly maintenance fees
  • Annual statement (with images) after December 31st of each year
  • E-Statements available 

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Business NOW Checking

For those looking for a financial return on their checking account. 

  • Unlimited check writing/debit card usage
  • Monthly statement with images (E-Statements available)
  • $1,000 minimum to open ​  ​
  • $1,000 minimum balance required
    • $10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle
  • ATM cards and Visa Debit Cards 
  • **Interest is compounded and credited to account every statement cycle

Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calcuation is monthly.

**Interest compounded and credited monthly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

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Business Money Market Investment

Premium interest checking for business who carry high balances with minimum transaction needs. 

  • $1,000 minimum to open
  • $1,000 minimum balance required
  • $10 fee assessed per statement cycle if balance falls below $1,000 on any day in the statement cycle
  • Withdrawals limited to six debits of any kind in any statement cycle ​  ​
  • $3 fee assessed per withdrawal in excess of three per statement cycle
  • Monthly statement with images

**Interest is compounded and credited to account every statement cycle

Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calcuation is monthly.

**Interest compounded and credited monthly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest, paid will forfeit accrued interest. 

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