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Business Checking

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Business Services Available to Customers

  • Fee-FREE Visa Gift Cards
  • Business Credit Cards
  • Escrow Account Services
  • Attorney IOLTA Accounts1
  • Safe Deposit Boxes at most locations
    Contact your local branch for availability

1Attorney Trust accounts must maintain an operating account with Unity Bank which will be used for any service charges that incur in the trust account.

   

Best for small businesses, startups, and solo entrepreneurs who value efficiency, reliability, and cost control. If your business handles modest cash volumes and writes fewer checks, this account delivers everything you need.

Account Overview
Minimum of $1.00 to open account 
Maintain a daily balance of $1,500 to avoid the $15 monthly fee
Enroll in eStatements to avoid a $5 monthly paper fee

Cash Processing Fee:

  • Up to $10,000 / month at no charge 
  • For every $100 over $10,001 there is a $0.15 fee

Check Usage Fee:

  • First 25 written checks per cycle are FREE
  • Every written check over 25
    • $0.25 (Internal)
    • $0.35 (FED in clearing)

NOTICE: Businesses that exceed the standard transaction thresholds, defined as more than $10,000 in cash processing and over 25 written checks, will be automatically transitioned to Premier Business Checking if these limits are surpassed for three consecutive months, within a rolling 12-month period.

All Business Checking Accounts Include:

  • Visa Business Debit Card
  • Dedicated Relationship Manager
  • Online & Mobile Banking
  • Bill Pay 
  • Free ATM Access at Unity & Alllpoint ATMs 
  • QuickBooks Integration

 

   

Built for high performance businesses that demand more from their banking. Whether you're managing large cash volumes, writing frequent checks, or processing a high volume of transactions, this account is designed to keep up and ultimately reward you for it.

Account Overview
Minimum of $1 to open account 
Earnings credit available up to 1.0% earned based on available balance
$15 Monthly Fee
Enroll in eStatements to avoid a $5 monthly paper fee

Cash Processing Fee:

  • $0.15 per $100

Check Usage Fees:

  • Deposited & Cashed 
    • $0.35 Per Check 
  • Written & Cleared Against Account
    • $0.25 Per Check 

Other Fees:

  • ACH Credit & Debit 
    • $0.25 Per Item 
  • Deposit to Account
    • $0.25 Per Each Deposit Ticket Processed

All Business Checking Accounts Include:

  • Visa Business Debit Card
  • Dedicated Relationship Manager 
  • Online & Mobile Banking 
  • Bill Pay 
  • Free ATM Access at Unity & Allpoint ATMs
  • QuickBooks Integration