Business Interest Checking

Nonprofits & sole proprietors earn while you serve

Open Account

Why Choose Business Interest Checking

We designed this account specifically for nonprofits and sole proprietors who want their money to work harder. Earn competitive interest with just a $1,500 minimum balance while enjoying the personal touch and community focus you deserve.

Account Benefits & Features 

  • Competitive interest rate helps your funds grow with easy access for daily operations 
  • Low $8 monthly fee waived when you maintain just $1,500 average balance 
  • Free Business Debit Mastercard® with 55,000+ surcharge-free ATMs1 nationwide 
  • Complimentary Online & Mobile Banking with Bill Pay2 and Mobile Deposit included 

Community Banking Advantages

  • Full deposit insurance through FDIC and DIF covers all deposits, no matter the balance 
  • Local decision-making means faster approvals and personalized service 
  • Dedicated Small Business Specialist responds within one business day, guaranteed 
  • Over 100 years of stability serving communities with transparent, fair pricing 

Compare Our Business Checking Options

Choose the business checking account that best fits your organization’s needs. All accounts include free Online Banking, Mobile Banking,2 and dedicated local support.

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Business Interest Checking

Earn competitive interest while maintaining easy access to funds for your nonprofit or sole proprietorship operations.

  • Competitive interest rate 
  • $1,500 minimum balance 
  • $8 monthly fee (waivable) 
  • Free debit card included 
  • Mobile & online banking 
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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 monthly service charge 
  • No minimum balance required 
  • Free business debit card 
  • Free Business Online and Mobile Banking2 
  • 100% deposit protection 

Everything You Need to Succeed

Cape & Coast Bank provides comprehensive business banking solutions designed for nonprofits and sole proprietors. Discover tools that help your organization thrive.
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Competitive Interest Rates

Earn more on your balance with competitive rates that help your mission
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Mobile & Online Banking

Bank 24/7 with secure, user-friendly digital tools and mobile deposit
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Dedicated Support Team

Work with specialists who understand nonprofit and sole proprietor needs
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Community Partnership

Local ownership means your deposits support community economic growth
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Full Deposit Insurance

FDIC plus DIF coverage protects all your funds without balance limits
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Fraud Protection Tools

Advanced security features keep your organization’s finances safe

Simple Steps to Better Banking

Opening your Business Interest Checking account is easier than you think. Our streamlined process gets you earning interest quickly with minimal paperwork.

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Open Online or Visit Us

Complete your secure application online in minutes, or visit any branch for personalized assistance from our team.
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Gather Required Documents

Bring your EIN, Articles of Incorporation, and valid ID. Our specialists will guide you through the simple process.
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Start Earning Interest Right Away

Once approved, your account earns competitive interest immediately. Add our mobile app and enjoy complete banking freedom.

Business Interest Checking FAQs

Get answers to common questions about our Business Interest Checking account for nonprofits and sole proprietors. Have another question? Contact us.

This account is designed for nonprofits and sole proprietors. Contact us to verify your specific eligibility requirements for this account.

Maintain a $1,500 average monthly balance to avoid the $8 monthly fee. No minimum balance required to earn interest on your account balance.

Yes! Free Online Banking and Mobile Banking2 with Mobile Deposit let you manage your account 24/7 from anywhere with secure, easy-to-use tools.

Bring your EIN, Articles of Incorporation or Organization, government-issued ID, and $25 opening deposit. We’ll handle the rest efficiently.

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

1Other banks may charge a fee for the use of their ATM. 

2There are no bank fees for this service, but standard wireless/data plan fees and/or text rates apply. Consult your provider