Business Checking

Clarkston State Bank understands the demands of operating a business and have designed our business checking account products to compliment your needs. Our experienced staff will work with you to ensure you are in the right product for your business activity. We offer three types of checking accounts:

Our business checking accounts provide the following FREE services:

  • Free Online Banking
  • Free Electronic Statements
  • Free Automatic Transfers
  • Free Mobile Banking App*
  • Free MasterCard® Debit Card
  • Free Night Deposit Service
  • Images of checks available with online banking
  • Free checking accounts for Non Profit Organizations and Associations**

*Data rates may apply.  **Monthly maintenance fee waived.  Other fees may apply.

Basic Business Checking

The Basic Business Checking is the perfect account for the small business which writes a few checks per month. It offers 50 free checks a month with a low monthly fee which can be waived with a compensating balance. After 50 checks are written, there is a nominal fee per check.

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PerksPlus Business Checking

One step up from the Basic Business Checking, the PerksPlus Checking provides you the ability to write more checks each month. Business customers can write up to 200 checks without a per check fee with a low monthly maintenance fee. This is the perfect account for a medium size company.

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Regular Business Checking

The optimal account for large business customers, and most robust checking account option, the Regular Business Checking analyzes the account and potentially offsets fees based on balances kept. This account gives the business customer credit for maintaining high balances, using that credit to offset account fees.**

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For attorneys, Clarkston State Bank offers IOLTAs (Interest on Lawyers’ Trust Accounts). The IOLTA accounts earn interest which is remitted to the Michigan State Bar Association on a quarterly basis. These accounts are not charged any maintenance fees.

IOLTA Interest Rates & Tiers* Daily Balance Rate APY
Tier 1 $0 – $4,999.99 0.00% 0.00%
Tier 2 $5,000 & above 0.05% 0.05%

Account Details

Features PerksPlus Business Checking Basic Business Checking Regular Business Checking
Minimum opening deposit $100 $100 $100
Checks per month 200 free, 30¢ per check over 200 50 free, 30¢ per check over 50 Unlimited (30¢ each)
Monthly maintenance fee $15 $10 $15 (An earnings credit will help to offset the charge)
Min balance to waive monthly maintenance fee Not applicable $2,000 Not applicable
Deposit charge Free Free Free
Deposited items charge Free Free Free

APY = Annual Percentage Yield
The interest rate stated is variable and may change after account opening.
Fees may also reduce earnings.
The minimum opening deposit for a IOLTA Checking account = $100.00
*Rates and balance tiers for checking, savings, CDs and IRA CDs are applicable as of the effective date and may be subject to change at Clarkston State Bank’s discretion.
**The Earnings Credit is calculated using the Fed Funds Rate in effect on the first day of the statement month, minus 100 basis points, with a floor of .10.

Reorder Checks

Deluxe is our preferred check printer, by clicking on the below link you will be redirected to the check ordering website so you can reorder checks.

Reorder Deluxe business checks