Free Business Checking

Zero hidden fees

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Free Business Banking That Work

Since 1921, we’ve supported businesses of all types with generous limits and no gotchas. Our Free Business Checking comes with straightforward banking from people who know business. We’re here to be your supportive partner in financial success.

Essential Business Banking Features

  • No minimum balance requirement—focus on growing your business, not balances. 
  • No monthly service charges ever—we mean free when we say free banking. 
  • Up to 1,000 free monthly transactions including checks, deposits, and transfers. 
  • Up to $10,000 in currency deposited monthly at no charge for cash businesses. 
  • Free Business Debit Mastercard® with contactless payments and fraud monitoring. 

Community Banking Advantages

  • Local decision-making means faster responses and personalized service. 
  • Dedicated Small Business Specialist available for guidance and support. 
  • Complete deposit protection—100% of deposits insured through FDIC and DIF. 
  • Free access to 55,000+ Allpoint Network ATMs nationwide for convenience.1 
  • MyCapeRewards points program earns rewards on business debit card purchases. 

Everything You Need to Succeed

We’ve designed our business banking to support your success. From mobile check deposits to professional cash management tools, we’re here to help your business thrive.
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Business Growth Financing

Explore loans and credit lines to fuel your business expansion.
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Mobile Check Deposit

Deposit checks instantly from anywhere using your smartphone.
No Hidden Fees

Transparent rates with no surprise charges or gotchas.
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Business Solutions

Comprehensive services designed for business success.

Getting Started Is Simple

We’ve made opening your business account straightforward and fast. Our experienced team will guide you through the process and get you banking quickly.

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Explore Business Savings

Complement your checking account with business savings options that help your money work harder while staying accessible.
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Quick Local Approval

Our local decision-making process means faster approvals and personalized service from people who know your area.
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Immediate Banking Access

Start using your online banking, mobile deposit, and bill pay services right away—no waiting periods required.

Free Business Checking FAQs

Get answers to common questions about Cape & Coast Bank’s Free Business Checking account and how we can support your business banking needs.

No minimum balance requirement, no monthly service charges. We mean free when we say free.

Just $25 to get started. There’s no ongoing minimum balance requirement, so you can focus on growing your business, not watching balances.

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

Yes! We provide business loans, lines of credit, cash management services, and dedicated Small Business Specialists to support your growth.

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Banking That Works Where You Do

From dockside shops to mains street storefronts, local businesses trust us for banking that understands their pace and priorities. Join your neighbors in choosing a community bank that puts your businesses first. Open your account online or stop by to get started.

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