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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

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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

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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

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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 

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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          

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*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           

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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 cemts for each deposit/credit and $0.12 cents for each cehck 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