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McClain Bank supports businesses of all sizes. Small business owners deserve the same kind of attention that the big corporations receive. That is why we have developed accounts tailored to meet each type's specific needs. Many of our services have free benefits to help with your business' day-to-day bottom line. We'll help you find the right accounts and services you need to help your business prosper.

Checking Account Opening Balance Balance To Avoid Service Charge Withdrawal Transaction Fees Interest Bearing
Small Business $100 N/A $0.20 - First 100 items FREE No

Small Business

McClain Bank's Small Business checking account is designed to make running your business easier.

  • $100 initial deposit to open the account
  • FREE Check images are returned with statement
  • FREE Online Banking
  • FREE Telephone Banking
  • FREE Visa CheckCard/ATM Card
  • FREE ATM Transactions at McClain Bank ATM Locations
  • FREE Visa CheckCard signature based transactions
  • Monthly Service Charge of $7.50
  • First 100 Withdrawal transactions FREE - fees of $0.20 per item after that (Withdrawals include items created by check, in-person, pre-authorized drafts or other electronic means initiated by you)
  • First 100 Foreign items deposited are FREE - fees of $0.10 per item after that (Foreign items are items not drawn on McClain Bank)

Commercial $100 N/A $0.20 No

Commercial

At McClain Bank, we know owning your own company can be time consuming and expensive – that is why we have streamlined your banking and given you the opportunity to earn money!

  • $100 initial deposit to open the account
  • FREE Check images are returned with statement
  • FREE Online Banking
  • FREE Telephone Banking
  • FREE Visa CheckCard/ATM Card
  • FREE ATM Transactions at McClain Bank ATM Locations
  • FREE Visa CheckCard signature based transactions
  • Monthly Service Charge of $5.00
  • Withdrawal transaction fees of $0.20 per item (Withdrawals include items created by check, in-person, pre-authorized drafts or other electronic means initiated by you)
  • Foreign item deposit fees of $0.10 per item (Foreign items are items not drawn on McClain Bank)
  • Variable EARNINGS CREDIT – earn back your monthly service charges! A variable earnings credit for each $100 of the average daily balance will be applied toward the service charge.

Super NOW $1,500 $1,500 N/A Yes

Super NOW

The Super NOW Account from McClain Bank is the only interest bearing checking account available to our business customers. It allows you to earn interest on your money while still being able to access it freely and without limitations.

  • $1,500 initial deposit to open account
  • Only available to Sole Proprietors or Non-Profit Organizations (including Churches)
  • Rates and Annual Percentage Yields are variable and subject to change
  • Interest compounded on monthly basis based on average daily balance
  • FREE Online Banking
  • FREE check images with statement
  • FREE Telephone Banking
  • FREE Visa CheckCard/ATM Card
  • FREE ATM Transactions at McClain Bank ATM Locations
  • FREE Visa CheckCard signature based transactions
  • FREE Automatic Transfers
  • $500 Bounce Protection
  • ¼% discount on personal loans with automatic debit
  • $9.95 monthly maintenance fee waived if average daily balance exceeds $1,500
HSAs $100 N/A N/A Yes

Health Savings Accounts (HSA)

Health Savings Account (HSA) enables you to lower your health insurance premiums, reduce your income taxes, and build an additional retirement account. This is a lower cost alternative to purchasing health insurance for your employees.

Lower your health insurance premiums. High Deductible Health Plan is required but it is less expensive than traditional health insurance.

Reduce your income taxes. Money deposited in your HSA is 100% tax deductible and can be withdrawn to pay for medical expenses, tax free.

Additional Retirement income. Employees always own the account. The funds in the HAS grow tax-deferred like an IRA. At age 65 the money can be withdrawn penalty free for any reason. And catch up contributions are available for people age 55 and over.

Ten percent tax penalty on withdrawals made for unqualified expenses. Please consult a tax advisor.

Also Available with Business Checking Accounts:

Low on checks? Reorder here!