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Security & Education

Our Business Banking professionals are committed to understanding how your business works and helping you to reach the financial goals you've set. We have a business checking account that's right for you!

Basic Business Checking

This solution is perfect for our small business customers with a low volume of account transactions.:

Features:

  • $100 minimum deposit required to open account
  • Avoid a $10 monthly maintenance fee by maintaining an average available balance of $2,000 or more
  • Up to 100 items allowed including items deposited/credited, checks/debits paid within a deposit. Additional items are $0.50 cents each

Applications Switch Kit Questions Rates

Business Value Checking

For businesses with a moderate volume of checking transactions:

Features:

  • $100 minimum deposit required to open account
  • Avoid a $15 monthly maintenance fee with an average available combined balance of $10,000 or more
  • 200 items allowed including items deposited/credited, checks/debits paid and checks wiithin a deposit. Additional items are $0.25 cents each
  • Earnings Credit (EC)* may offset fees

Applications Switch Kit Questions Rates

Regular Business Checking

For businesses with a large volume of checking transactions and multiple accounts:

Features:

  • $100 minimum deposiit required to open account
  • $12 monthly maintenance fee
  • Per item charges: $0.15 cents for each check/debit paid, $0.35 cents for each deposit/credit paid, and $0.12 cents for each check within a deposit
  • Earnings Credit (EC)* may offset fees

Applications Switch Kit Questions Rates

Premier Business Checking

For the business owner who wants a flexible, money-smart checking account:

Features:

  • $100 minimum deposit required to open account.
  • No monthly maintenance fee
  • 500 items free including items deposited/credited, checks/debits paid, and checks within a deposit
  • Additional items are $0.35 cents each
  • No Earnings Credit (EC) applied

Applications Switch Kit Questions Rates

Express Business Checking

Stop sending highly paid employees to the bank and save trips to the bank. Take advantage of extended cut-offs -- deposit as late as 6 pm with same business day crediting!

Features:

  • $100 minimum deposit required to open account
  • $75 monthly maintenance fee
  • Per Item Charges: $0.15 cents for each check/debit paid, $0.35 cents for each deposit/credit and $0.12 cents for each check within a deposit
  • Earnings Credit (EC)* may offset fees

Community Checking

Kinderhook Bank values the contributions made by non-profit community organizations. To say Thank You, we offer an account specifically for you! Features include:

Features:

  • No monthly service charges
  • No minimum balance requirement
  • Unlimited check writing

Applications Switch Kit Questions Rates

*Earnings Crediit rate is variable and can be changed daily. See current rate sheet for further information on Earnings Credit rates available on this account. Earning s Credit rate is based on an average available combined balance, less a 10% reserve requirement.

Tiered Money Market Checking Account

This account combines a great rate with a low minimum balance requirement and convenient check writing access to your money.

features:

  • Tiered rate account
  • $2,500 minimum to open and to avoid monthly fee
  • Interest compounded daily and credited monthly

Applications Switch Kit Questions Rates

Cash Management Sweep Account

Make every penny you deposit work harder for you with a Sweep Account. Your daily business checking account deposits are "swept" into an interest-bearing account at the close of every business day. This is a great money management tool for business owners to earn as much interest on their cash deposits as possible!

Features:

  • $100 minimum to open account
  • $125 monthly maintenance fee
  • Per Item Charges: $0.15 cents for each check/debit paid, $0.35 cents for each deposit/credit and $0.12 cents for each check within a deposit
  • Earnings Credit (EC) may offset fees and is variable. EC is based on an average available balance in this account only, less a 10% reserve requirement

IOLA Accounts

Open your Interest On Lawyer Accounts with Kinderhook Bank and save!

Features:

  • No monthly service charges
  • Chargeback fees waived
  • No wire transfer fees
  • Full FDIC coverage
  • Competitive interest rate
  • Free shredding of old bank checks