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Business Checking Accounts

 
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Checking Account Solutions Built for Your Business

Ready to take control of your business finances? Whether you run a local bait and tackle store, a neighborhood coffee shop, or a family farm, we understand the challenges you face. As a locally owned business ourselves, we’re committed to offering the support you need. That’s why our business checking accounts are fully equipped with powerful, easy-to-use cash flow management tools designed to keep your operation running smoothly.

Free Small Business Checking

Because businesses deserve extra breaks, not extra headaches.

  • Free checking solution for your growing business
  • No monthly maintenance fee or minimum balance requirements
  • Unlimited check writing

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Business Checking

A top-tier business account with worry-free convenience.

  • Versatile checking solution for businesses of all sizes
  • $5 monthly maintenance fee; waived if $500 minimum balance is maintained
  • $100 minimum deposit to open

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Business Money Market

Maximize returns and efficiency with interest while maintaining liquidity. 

  • Interest-bearing checking solution for businesses of all sizes
  • Earns interest on balances over $2,500
  • 25 free deposits per month; 10¢ each thereafter

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Compare Business Checking Accounts
Free Small Business Checking Business Checking Business Money Market
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Required to Open
$100
$100
$100
Online Banking
Check Writing
Unlimited
25 Free
6 Free Transfers/Checks; $10 per transaction thereafter
Transaction Fees
*25 free checks and 25 free deposits per month; $0.10 each thereafter.
25 free deposits per month; 10¢ each thereafter
Business Debit Card
Statement Check Imaging
Balance Requirement N/A
$500
$2,500
Monthly Fees N/A
$5.00; Waived with minimum balance
$10.00; Waived with minimum balance
 
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*This account features an earnings credit, which is applied to reduce or eliminate fees on the account.

Additional Features
PAYROLL PROCESSING

Payroll Processing option for business customers allows you to submit your payroll effortlessly through our seamless Online Banking platform.1
MERCHANT SERVICES

We partner with a local Merchant Credit Card Service to provide your business with the tools required to meet your financial goals.
REMOTE DEPOSIT CAPTURE

Don’t have time to stop by the bank to make a deposit? No big deal! For a small monthly fee, you can make deposits from the security of your desk using a remote deposit scanner. This product allows you to maximize your business’s cash flow and efficiencies.1
POSITIVE PAY

Your accounts' security and safety are important to us, and Positive Pay/Account Reconciliation is another way to keep your accounts safe! This feature allows you to review all checks that are processing through your account before they clear. Peace of mind is priceless, and this feature is one way to help keep your account secure.1
BUSINESS DEBIT CARD

Access to your funds anywhere at any time is a must, and we make that possible for you with a Business Debit Card.
BUSINESS CREDIT CARD

Discover the ideal credit card to foster the growth of your business in our comprehensive offering. Enjoy seamless online accessibility, the option to issue multiple cards, and a rewarding preferred points program that allows you to redeem your benefits. (Please note that the Preferred Points Card incurs an annual fee of $49 per account.)
ONLINE BANKING

Explore the convenience of our updated online banking platform, designed to meet your evolving financial needs. Experience hassle-free banking on the go, and if you have multiple users requiring account access, we’ve got you covered. Our Cash Management feature empowers business customers with individual logins for each user, enabling customizable access privileges. You can also seamlessly integrate your online account with QuickBooks®. Simplify your banking experience with our Online Banking services.
ADDITIONAL DEPOSIT INSURANCE

Do your deposits need additional coverage? Secure them with this service, which offers the convenience of a single banking relationship. CDARS/ICS companies can easily access multi-million-dollar FDIC protection on their accounts.1

Why Does My Business Need a Checking Account?

A checking account is your business’s central financial hub. It’s a versatile resource, serving as a secure place to store deposits, a payment vehicle, and an effective tool for managing cash flow.

When you combine your business checking account with our other resources like remote deposit capture, ACH, and merchant services, you get one powerful solution to simplify and streamline your business operations.

We take care of our Neighbors.
At Heritage Bank of the Ozarks, your business is never just an account number – you’re a valued Neighbor. We’ll always work to build a relationship with you so we can understand how best to serve your needs.
CrystalWade-1
Crystal Wade
Executive Vice President - Operations

Why Heritage?

Neighbors Serving Neighbors Since 2003

Your local dollars are invested in our local communities with local lenders and local decisions, because, at Heritage Bank, we are Neighbors Serving Neighbors.

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HBO_Website_Local dollars

1 Monthly fees for this product.

Become a Neighbor Today!