Business Checking That Works as Hard as You Do
Running a business takes dedication, and your bank should match your drive. At WaterStone Bank, we offer business checking accounts designed for businesses of all sizes, whether you’re just starting out or managing a growing company. With competitive features, easy digital access, and local support, we help you focus on what matters most: growing your business.
Business Checking Accounts for Every Business Need
Up to $1,000 in Total Bonus Opportunities
Available with qualifying balances and enrolled services like Positive Pay and Merchant Services.
Compare Our Business Checking Accounts
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Business Essential Checking
For businesses with low volume.
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Business Advantage Checking
For businesses with medium-high balances & low volume.
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Business Analysis Checking
For businesses with high volume & higher balances.
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Business Interest Checking^
A hybrid option for high-volume businesses that earn interest.
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Minimum to Open
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$100.00
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$100.00
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$100.00
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$100.00
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Minimum Balance to Avoid Monthly Fee
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$200.00 daily or $500.00 average daily balance
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$2,500.00 daily or $5,000.00 average daily balance (or a $250,000.00+ Business Loan)
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$10,000.00 average daily or $25,000.00 consolidated balance
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$200.00 daily or $500.00 average daily balance
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Monthly Fee
(if balance not maintained) |
$15.00
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$20.00
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$25.00
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$15.00
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Interest Bearing
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 Earnings Credit
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Transaction Limits
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150 Free debits & deposits per month, then $0.35/item. Excludes debit card transactions.
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300 free debits & deposits per month, then $0.30/item. Excludes debit card transactions.
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500 free debits & deposits per month, then $0.25/item. Excludes debit card transactions.
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150 free debits & deposits per month, then $0.30/item. Excludes debit card transactions.
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Free Business Online Banking
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Debit Card
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Additional Features
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Merchant Check Capture (MCC) is available; items beyond the limit $0.15 each
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Business Essential Checking
For businesses with low volume.
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$200.00 daily or $500.00 average daily balance
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Monthly Fee
(if balance not maintained) $15.00
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Transaction Limits
150 Free debits & deposits per month, then $0.35/item. Excludes debit card transactions.
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Free Business Online Banking
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Debit Card
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Business Advantage Checking
For businesses with medium-high balances & low volume.
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$2,500.00 daily or $5,000.00 average daily balance (or a $250,000.00+ Business Loan)
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Monthly Fee
(if balance not maintained) $20.00
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Transaction Limits
300 free debits & deposits per month, then $0.30/item. Excludes debit card transactions.
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Free Business Online Banking
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Debit Card
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Business Analysis Checking
For businesses with high volume & higher balances.
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$10,000.00 average daily or $25,000.00 consolidated balance
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Monthly Fee
(if balance not maintained) $25.00
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Interest Bearing
Earnings Credit
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Transaction Limits
500 free debits & deposits per month, then $0.25/item. Excludes debit card transactions.
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Free Business Online Banking
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Debit Card
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Additional Features
Merchant Check Capture (MCC) is available; items beyond the limit $0.15 each
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Business Interest Checking^
A hybrid option for high-volume businesses that earn interest.
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Minimum to Open
$100.00
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Minimum Balance to Avoid Monthly Fee
$200.00 daily or $500.00 average daily balance
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Monthly Fee
(if balance not maintained) $15.00
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Earns Bearing
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Transaction Limits
150 free debits & deposits per month, then $0.30/item. Excludes debit card transactions.
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Free Business Online Banking
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Debit Card
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Your Checking Account Includes
Mobile Deposits
Sending & Receiving Money with Zelle®
Digital Banking Anytime, Anywhere
Free E-Statements
More Ways to Grow Your Business
Beyond checking accounts, WaterStone Bank offers additional products to help businesses save, borrow, and manage finances efficiently.
- Build reserves for future growth with competitive savings options.
- Manage your accounts anytime, anywhere with secure online tools.
- Access funding to expand, invest, or manage cash flow.
- Convenient spending solutions tailored to your business needs.
What can we help you with?
Have questions about your banking needs? Our friendly team is here to help. Whether you’re opening your first account, choosing the perfect credit card, or planning your financial future, we’re ready to provide personalized support and guidance. Reach out to us by visiting your nearest branch, giving us a call, or making an appointment. WaterStone Bank is here to make banking easy and stress-free for you.
Customer Support Center
Visit a Branch
With 14 locations across Milwaukee, Waukesha, and Washington counties, our friendly team is ready to assist you with personalized service, expert guidance, and banking solutions tailored to your needs.
Schedule an Appointment
Save time by booking an appointment for personalized assistance. Open a new account, set up beneficiaries, or access services like notary, overdraft protection, and currency exchange.
Latest Insight & Education
Stay informed and empowered with our collection of articles and tools. Whether you’re looking to improve your financial knowledge or explore tips for better banking, our resources are here to guide you every step of the way.
Business Interest Checking: Interest earned on this account is based on the following tiers: $2,499.99 or less; $2,500.00 or more.
See Account Disclosure(s) for more information.
