Earn high interest on your entire balance and get the tools you need to maximize your business’s banking power.

Key Features

  • High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Free business checking that pays high interest
  • 4.00% APY* on balances up to $25,000
  • 4.00% to 0.35% APY* on balances of $25,000 and over depending on balance in account*^
  • 0.05% APY* on all balances if qualifications aren't met
  • Link to free Business Saver to build savings automatically
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free digital banking services, including:
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free Mastercard® debit card
  • $25 minimum deposit to open

It’s Easy to Earn Your Rewards

So easy, in fact, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Business Cash® account during each Monthly Qualification Cycle:

  • At least 8 debit card purchases
  • One (1) ACH credit or ACH payment transaction
  • Be enrolled in and agree to receive e-Statements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Account Overview: Business Cash - A variable rate checking account that rewards accountholders with interest and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle. The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information please call us at 800-422-5675. Reward Information: Business Cash - When your Business Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to $25,000 in your Business Cash account earn an interest rate of 3.9285% resulting in an APY of 4.00%; and daily balances over $25,000 earn an interest rate of 0.3494% resulting in an APY of 0.35% on the portion of the daily balance over $25,000, resulting in a range from 4.00% APY to 0.35% APY depending on the account's daily balance. When Business Cash account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and the interest rate earned on the account's entire daily balance will be 0.05% resulting in an APY of 0.05%. Additional Rate Information - This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion and we may change the interest rate on your account at any time, without any limitations, and without notice to you. There is no limit on the amount the interest rate and APY can change. Interest is credited to your Business Cash account every month on the last day of the current statement cycle. The advertised Business Cash APY is based on compounding interest. Actual interest amount paid may be less than advertised Business Cash APY. Compounding frequency - Interest will be compounded daily. Crediting frequency - Interest will be credited into this account monthly on the last day of the current statement cycle. Balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day for the period. The period we use is statement cycle. Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account. Minimum deposit to open - The minimum deposit required to open this account is $25.00. Effect of closing account - If you close your account before interest is credited, you will not receive the accrued interest. Qualification Information - To earn your rewards, the preferred rate of interest and ATM withdrawal fee reimbursements, the following enrollments must be in place and all transactions and activities must post and settle to your Business Cash account during each Monthly Qualification Cycle: At least eight (8) debit card purchases; At least one (1) ACH Credit or ACH Payment Transaction; Be enrolled in and have agreed to receive e-statements rather than paper statements. You will be required to give us a valid email address and maintain this address on record with the bank. Only debit card transactions processed by merchants and received by the bank as point-of-sale transactions count towards qualifying debit card purchases. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM withdrawals and ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Enrollment in e-statements are required to meet the account's qualifications. To enroll in online banking and e-statements, visit our website at www.tricountybank.com. Accountholders may contact our financial institution at 800-422-5675 for any questions concerning enrollment in online banking or e-statements. If you have met your qualifications for the Monthly Qualification Cycle, we will reimburse you for all nationwide ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions up to $4.99 per individual transaction and credit them into your Business Cash account on the last day of the current statement cycle. ATM fees of $9.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $10.00 or higher will be reimbursed up to a maximum of $4.99 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty calendar days of the withdrawal transaction. Purpose and Expected Use of Account - We expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Tri-County Bank reserves the right to determine if the account is being maintained for a purpose other than business transactions. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over twelve (12) consecutive statement cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your account, any optional add-on products/services associated with this account will also be terminated at the same time. Monthly Qualification Cycle - means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. Statement Cycle - The period of time for which The Tri-County Bank provides a summary of the financial activities and transactions that post and settle to the account. The statement cycle for this account is the third Wednesday of the month. Business Day - A calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a business day. *APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Business Cash account and an assumed statement cycle of thirty-one (31) days. Rates, APYs, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. You can link this account to a Business Saver account to build savings automatically. You will automatically qualify for the account's rewards during your account's first statement cycle. See attached Schedule of Fees for other applicable fees on this account.