{"id":2753,"date":"2024-09-03T14:12:11","date_gmt":"2024-09-03T14:12:31","guid":{"rendered":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/banking\/business-credit-cards-2\/"},"modified":"2024-10-01T20:58:59","modified_gmt":"2024-10-01T20:58:59","slug":"business-checking","status":"publish","type":"page","link":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/banking\/business-checking\/","title":{"rendered":"Business Checking"},"content":{"rendered":"\n<section class=\"hero hero-position-1\">\n    <div class=\"container\">\n        <div class=\"hero-slider\">\n            <div class=\"hero-container image-right\"><div class=\"left\">                                                        <img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/themes\/alerus\/img\/swoosh.svg\" alt=\"alerus image accent\" class=\"hero-swoosh\">\n                            \n                        <h1>Smart business checking for smart growth.<\/h1>\n                                                <p>Simplify your banking with flexible accounts designed to meet your unique business needs.<\/p>\n                         \n                    <\/div>                        <div class=\"right\">\n                            <img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/uploads\/2024\/09\/GettyImages-1487838881-Hero01.jpg\" alt=\"Gettyimages 1487838881 Hero01\">\n                        <\/div>\n                    <\/div>        <\/div>\n            <\/div>\n<\/section>\n\n\n<section class=\"breadcrumbs\">\n    <div class=\"container breadcrumbWrapper\">\n        <p id=\"breadcrumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>    <\/div>\n<\/section>\n\n<section class=\"general one-column default\">\n    <div class=\"container\">\n        <div class=\"column\"><div class=\"module\"><h3 class=\"h3\" style=\"text-align: center;\">Options for how you do business.<\/h3>\n<p>Whether you\u2019re just starting a small business or you\u2019re leading an established company, the right business account can give you the resources you need to manage your company\u2019s finances.<\/p>\n<\/div><\/div>    <\/div>\n<\/section>\n\n\n\n<section class=\"comparison\">\n    <div class=\"container\">\n                <div class=\"comparisonTable\">\n            \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Small Business Checking<\/h3>\n                                                <p>Ideal for small businesses with lower transaction volumes, this account gives you the basic tools to keep your finances running smoothly.<\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>No minimum balance requirement<\/li>\n<li>150 free transactions per month<sup>1<\/sup><\/li>\n<li>Business debit card with fraud protection<\/li>\n<li>Online banking access<\/li>\n<li>Complimentary electronic statements<\/li>\n<li>Overdraft protection options available<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Business Checking<\/h3>\n                                                <p>Perfect for growing businesses that need higher transaction limits and additional banking tools. This account scales with your business as it expands.<\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>Low monthly maintenance fee, waived with a qualifying balance<\/li>\n<li>350 free transactions per month<sup>1<\/sup><\/li>\n<li>Advanced online cash management tools<\/li>\n<li>Complimentary electronic statements<\/li>\n<li>Online banking access<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                        <\/div>\n    <\/div>\n    <\/section>\n\n\n<section class=\"comparison\">\n    <div class=\"container\">\n                <div class=\"comparisonTable\">\n            \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Business Analysis Checking<\/h3>\n                                                <p>Designed for businesses with higher transaction volumes, offering earnings credit to help offset monthly service charges and maximize your financial efficiency.<\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>No minimum balance requirement<\/li>\n<li>Online banking access<\/li>\n<li>Complimentary electronic statements<\/li>\n<li>Overdraft protection options available<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Business Checking Plus<\/h3>\n                                                <p>Perfect for businesses with higher transaction volumes, this account allows you to earn interest while managing your finances efficiently. <\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>Advanced online cash management tools<\/li>\n<li>Online banking access<\/li>\n<li>Complimentary electronic statements<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                        <\/div>\n    <\/div>\n    <\/section>\n\n\n<section class=\"comparison nobottom\">\n    <div class=\"container\">\n                <div class=\"comparisonTable\">\n            \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Sole Proprietor <br> Small Business Checking<\/h3>\n                                                <p>Tailored for sole proprietors, this account offers simplified banking solutions with low fees, perfect for managing the day-to-day needs of your small business. <\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>No minimum balance requirement<\/li>\n<li>150 free transactions per month<\/li>\n<li>Online banking access<\/li>\n<li>Complimentary electronic statements<\/li>\n<li>Overdraft protection options available<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                \n                <div class=\"tableItem\">\n                    <div class=\"heading\">\n                        <h3>Public Funds Analysis Checking<\/h3>\n                                                <p>A specialized account designed for managing public funds with higher transaction volumes, offering earnings to offset fees and treasury management tools to optimize cash flow.<\/p>\n                                            <\/div>\n                    <div class=\"content\">\n                        <div class=\"tableItems\">\n                            <div class=\"comparison-text\"><ul class=\"checklist\" style=\"columns: 1;\">\n<li>Advanced online cash management tools<\/li>\n<li>Online banking access<\/li>\n<li>Complimentary electronic statements<\/li>\n<\/ul>\n<\/div>                        <\/div>\n\n                                            <\/div>\n                <\/div>\n\n                        <\/div>\n    <\/div>\n    <\/section>\n\n\n<section class=\"accordion\">\n    <div class=\"container\">\n        <div class=\"intro\"><h2>Frequently Asked Questions<\/h2>\n<\/div>     \n        <div class=\"accordionItems  accordion-padding\" id=\"accordionItems-1\">\n            \n                    <div class=\"accordionItem\"><div class=\"accordionTitle accordionTitle-1\" id=\"accordionTitle-1-1\"><span>What do I need to open a business checking account?<\/span><\/div>\n                    <div class=\"accordionCopy accordionCopy-1\" id=\"accordionCopy-1-1\"><p>To open a business checking account you will need to provide identification, your business tax ID number, legal business documents such as articles of incorporation or partnership agreement. Proof of registration with the state and beneficial ownership information required if applicable.\u201d<\/p>\n<\/div><\/div>\n                \n                    <div class=\"accordionItem\"><div class=\"accordionTitle accordionTitle-1\" id=\"accordionTitle-2-1\"><span>Are there monthly maintenance fees? <\/span><\/div>\n                    <div class=\"accordionCopy accordionCopy-1\" id=\"accordionCopy-2-1\"><p>Monthly maintenance fees vary by account type. Some accounts waive the fee if a certain average balance is maintained.<\/p>\n<\/div><\/div>\n                \n                    <div class=\"accordionItem\"><div class=\"accordionTitle accordionTitle-1\" id=\"accordionTitle-3-1\"><span>How can I open a business checking account? <\/span><\/div>\n                    <div class=\"accordionCopy accordionCopy-1\" id=\"accordionCopy-3-1\"><p>You can easily open a business checking account by visiting an Alerus location. Our business banking specialists are also available to help you choose the right account for your needs.<\/p>\n<\/div><\/div>\n                \n                    <div class=\"accordionItem\"><div class=\"accordionTitle accordionTitle-1\" id=\"accordionTitle-4-1\"><span>What tools are available to help manage cash flow? <\/span><\/div>\n                    <div class=\"accordionCopy accordionCopy-1\" id=\"accordionCopy-4-1\"><p>Alerus provides a suite of treasury management services, including cash flow analysis, receivables and payables solutions, fraud prevention tools like Positive Pay, and liquidity management to help your business run smoothly. Visit our Treasury Services page for more information.<\/p>\n<\/div><\/div>\n                        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"icons\">\n    <div class=\"container\">\n        <div class=\"intro\"><div class=\"intro\">\n<h2>You may also be interested in:<\/h2>\n<\/div>\n<\/div><a class=\"icon-card\" href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/financing\/business-credit-cards\/\" target=\"\">                   \n                    <div class=\"icon\"><img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/plugins\/acf-image-select-field-main\/assets\/credit-card.svg\" alt=\"Business Credit&lt;br&gt; Cards icon\"><\/div>\n                                            <div class=\"content\">\n                            <h3>Business Credit<br> Cards<\/h3>\n                        <\/div>\n                        <\/a>            <a class=\"icon-card\" href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/treasury-cash-managment\/\" target=\"\">                   \n                    <div class=\"icon\"><img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/plugins\/acf-image-select-field-main\/assets\/treasury.svg\" alt=\"Treasury &lt;br&gt;Services icon\"><\/div>\n                                            <div class=\"content\">\n                            <h3>Treasury <br>Services<\/h3>\n                        <\/div>\n                        <\/a>            <a class=\"icon-card\" href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/business\/banking\/business-savings\/\" target=\"\">                   \n                    <div class=\"icon\"><img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/plugins\/acf-image-select-field-main\/assets\/savings.svg\" alt=\"Business Savings Accounts icon\"><\/div>\n                                            <div class=\"content\">\n                            <h3>Business Savings Accounts<\/h3>\n                        <\/div>\n                        <\/a>                <\/div>\n<\/section>\n\n\n<section class=\"hero hero-position-2\">\n    <div class=\"container\">\n        <div class=\"hero-slider\">\n            <div class=\"hero-container blue\"><div class=\"content\">                                                        <img decoding=\"async\" src=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-content\/themes\/alerus\/img\/swoosh.svg\" alt=\"alerus image accent\" class=\"hero-swoosh\">\n                            \n                        <h1>Ready to get started? <\/h1>\n                                                                                                    <div class=\"buttons\">\n                                                                    <a class=\"btn primary\" href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/contact\/\" target=\"\">Contact us<\/a>\n                                                                                                    <a class=\"btn primary\" href=\"https:\/\/f9dc7fd910.nxcli.net\/alerus\/locations\/\" target=\"\">Visit a location<\/a>\n                                                            <\/div>\n                         \n                    <\/div><\/div>        <\/div>\n            <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":1718,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2753","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/2753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/comments?post=2753"}],"version-history":[{"count":44,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/2753\/revisions"}],"predecessor-version":[{"id":37690,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/2753\/revisions\/37690"}],"up":[{"embeddable":true,"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/pages\/1718"}],"wp:attachment":[{"href":"https:\/\/f9dc7fd910.nxcli.net\/alerus\/wp-json\/wp\/v2\/media?parent=2753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}