Business Checking

City State Bank offers a variety of checking accounts to suit your business' needs, including business checking, ag checking and community checking (for non-profits, charities and clubs).

Business Checking Accounts

	Small Business Checking	Basic Business Checking	Basic Business Checking with Interest	Business Advantage Checking
	Economical Business Account	Good For Corporations, Partnerships or if maintaining lower balances in checking.	Must be Sole Proprietor or have proof of Non-Profit status.	Earning Credit Account good for Corporations, Partnerships or if a lot of activity.
Earns Interest	No	No	Yes	No
Minimum to Open	$500	$2,500	$2,500	$500
Minimum Balance	No	$2,500	$2,500	No
Free Debit/Credits per Month	100	200	200	None
Per Debit or Credit Charge over Free Allowed	$0.20	$0.20	$0.20	$0.15 *
Monthly Fees	No minimum balance fee.  $2 Maintenance fee Fee refunded if opt for electronic statements	$5 Minimum balance fee if average daily collected balance falls below $2,500. $4 Maintenance fee Fee refunded if opt for electronic statements.	$5 Minimum balance fee if average daily collected balance falls below $2,500. $4 Maintenance fee Fee refunded if opt for electronic statements.	No minimum balance fee $16 Maintenance fee $6 of fee refunded if opt for electronic statements. Negative collected funds charge is prime plus 3.0% on negative uncollected balances. Monthly account analysis statements.
Account Features	Monthly statement with check images. Free first box of specialty design checks	Monthly statement with check images.	Monthly statement with check images.  Interest bearing with tiered balances. Minimum of $800 average collected balance to earn interest.	Monthly statements with check images. *Earnings credit calculated on average collected balance to be used to offset any account fees.
Additional Benefits	Free internet banking Online check images Free telephone banking
Available Options	Merchant Deposit Capture Business Debit Card Electronic statements

Ag Checking Accounts

	Basic Ag Checking	Agri-Line Checking with Interest
	For Farmers that are Incorporated, Partnerships or maintaining lower balances.	Must be Sole Proprietor or have proof of Non-Profit status.
Earns Interest	No	Yes
Minimum to Open	$800	$1,500
Minimum Balance	$800	$1,500
Free Db/Cr Month	150	150
Per Debit or Credit Charge over Free Allowed	$0.20	$0.20
Monthly Fees	$5 Minimum balance fee if average daily collected balance falls below $800 No maintenance fee	$5 Minimum balance fee if average daily collected balance falls below $1,500 No maintenance fee
Account Features	Free first box of specialty design checks. Monthly statement with check images.	Free first box of specialty design checks. Monthly statement with check images. Interest bearing with tiered balances. Minimum of $800 average collected balance to earn interest.
Additional Benefits	Free internet banking Online check images Free telephone banking Free coin counting
Available Options	Business Debit Card Electronic statements

Community Checking Accounts

	Community Checking	Community Checking with Interest
	For Non-Profit, Charitable and Clubs	For Non-Profit, Charitable and Clubs - Must have proof of Non-Profit status
Earns Interest	No	Yes
Minimum to Open	$5	$5
Minimum Balance	$100	$100
Free Db/Cr Month	Unlimited	Unlimited
Per Debit or Credit Charge over Free Allowed	No	No
Monthly Fees	$3 Minimum balance fee if average daily collected balance falls below $100. No maintenance fee.	$3 Minimum balance fee if average daily collected balance falls below $100.  No maintenance fee.
Account Features	Free first box of specialty design checks. Monthly statement with check images.	Free first box of specialty design checks. Monthly statement with check images. Interest bearing with tiered balances. Minimum of $800 average collected balance to earn interest.
Additional Benefits	Free internet banking Online check images Free telephone banking Free coin counting
Available Options	Business Debit Card Electronic statements

For additional information regarding City State Bank business checking accounts, contact us today!

Central City Location

Karla Koehler, Vice President Ag/Commercial Banking, Direct Phone Line (319) 438-1480, E-Mail
Eric Heims, Central City Market President, Direct Phone Line (319) 438-1416, E-Mail

Marion Location

Steve Willette, Senior Vice President Commercial Banking, Direct Phone Line (319) 373-1563, E-Mail
Theresa Blong, Vice President Commercial Banking, Direct Phone Line (319) 373-1564, E-Mail

City State Bank's primary trade area is Linn County, Iowa and its contiguous counties: Johnson, Cedar, Jones, Delaware, Buchanan, Benton and Iowa Counties.