Business Checking

Checking That Works for You– Free accounts, local decisions, expert service

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Your Business Banking Partner Since 1921

We’ve been helping businesses succeed for over 100 years. From year-round residents to seasonal operators, we support your financial goals with expert guidance, local decision-making, and personal service you can trust.

Why Businesses Choose Us

  • Local decisions mean faster approvals from people who understand your business 
  • Free Business Checking with no monthly fees—ever 
  • Mobile banking designed for busy entrepreneurs on the go 
  • Expert specialists who know your industry and provide trusted guidance 

Complete Business Banking Solutions

  • Free business checking with no minimums and all essential features 
  • Business savings and money market accounts for better cash flow 
  • Commercial lending and lines of credit approved locally 
  • Cash management services including ACH and wire transfers 

Find Your Perfect Business Account

From startups to established firms, we’ve designed accounts that grow with your business. Compare our full range of business checking solutions to find the one that fits your needs perfectly.

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Free Business Checking

Perfect for new and small businesses—no minimum balance, no monthly fees, and all essential banking features included.

  • No minimum balance required 
  • Zero monthly service charges 
  • Free Business Debit Mastercard® 
  • 100% deposit protection 
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Business Interest Checking

Designed for nonprofits and sole proprietors who want competitive interest rates with low fees and personal service.

  • Competitive interest earnings 
  • Just $8 monthly fee (waivable) 
  • $1,500 minimum for fee waiver 
  • 55,000+ surcharge-free ATMs 
  • Local decision-making advantage 
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Cash Management Checking

Three tiers of sophisticated cash management tools designed to optimize operations and protect against fraud.

  • Three service tiers available 
  • Positive Pay fraud protection 
  • Advanced reporting tools 
  • Customizable service options 
  • Enhanced security features 
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Client Escrow & IOLTA

Trusted banking for legal professionals with full Massachusetts IOLTA compliance and specialized escrow services.

  • Massachusetts IOLTA certified 
  • No monthly maintenance fees 
  • Full Rule 1.15 compliance 
  • Dedicated client fund accounts 
  • 24/7 online monitoring 
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Business Debit Cards

Instant-issue cards with contactless payments, rewards, and comprehensive security for all your business needs.

  • Same-day card availability 
  • Contactless tap-to-pay technology 
  • MyCapeRewards points program 
  • Real-time fraud monitoring 
  • No monthly or annual fees 
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Ready to Experience Better Banking?

Opening your business account with us is easier than you think. Our business banking team will guide you through the process so you can focus on what matters most—your business.

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Choose Your Business Account

Compare our business checking options and select the account that best fits your business needs and goals.
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Open Online or Visit Us

Start your application online in minutes or visit one of our convenient locations for personalized service.
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Join Us Seamlessly

Our business onboarding process makes starting your banking relationship simple with step-by-step guidance and support.

Banking That Understands Your Business

We’re more than a bank—we’re your business partner. Our comprehensive suite of business banking services helps business owners focus on what they do best: running their business.
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Mobile Business Banking

Manage finances anywhere with our business mobile app
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Cash Management Services

Streamline payments, deposits, and business operations
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Business Lending Solutions

Lines of credit and loans approved locally and quickly
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Expert Business Support

Personal service from experienced business specialists

Business Checking Questions & Answers

Get answers to common questions about business checking accounts at Cape & Coast Bank. Learn about features, requirements, and how to get started.

Our Free Business Checking has no monthly maintenance fees and no minimum balance requirements—truly free banking for your business.

Necessary documents are subject to change depending on the specific needs or circumstances of the business; please contact your local branch or stop by to learn more.

By combining FDIC primary insurance and DIF excess deposit insurance, we provide full insurance on all deposits, no matter the balance.

Yes, our business mobile app includes mobile check deposit, account management, transfers, and bill pay—all free with your business account.

Our local underwriters understand your market and can make faster lending decisions without sending applications to distant corporate offices.

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Start Your Business Banking Journey

Join the thousands of businesses that trust Cape & Coast Bank for their financial success. Experience the difference that local expertise and personal service make for your business.

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