Business Interest Checking | Sunstate Bank
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Interest Checking Account

Put Your Balance to Work While Running Your Business

Why let your money sit idle? With Sunstate Bank’s Business Interest Checking Account, you’ll enjoy all the flexibility of a business checking account - while earning competitive, tiered interest on your available balance.

Whether you’re a sole proprietor, consultant, or growing business, this account helps you get more from your operating funds without giving up daily access.

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Key Benefits

Earn Interest on your Balance

Grow your funds with tiered interest rates - the higher your balance, the more you earn.

Unlimited Check Writing & Debit Card Usage

Enjoy full flexibility to pay bills, make purchases, and manage your operations.

Free Online & Mobile Banking

Transfer funds, deposit checks, and monitor activity anywhere, anytime.

Bill Pay & ACH Capabilities

Streamline payments to vendors, contractors, and service providers.

FDIC Insured

Enjoy peace of mind knowing your business deposits are protected up to $250,000.

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Who Should Use This Account?

This account is ideal for:

  • Sole proprietors or businesses operating under an individual’s name
  • Small to mid-sized businesses maintaining higher average balances
  • Entrepreneurs looking for flexibility + interest earnings
  • Business owners seeking a hybrid between checking and savings

Note: Certain entity types may not be eligible to earn interest. Ask your banker for details.

Why Choose Sunstate for Your Business?

  • 25+ years supporting entrepreneurs and local businesses
  • Voted Miami-Dade’s Favorite Bank — 2023 & 2024
  • Multilingual service (English, Spanish, Portuguese)
  • Relationship-based banking with fast, local decisions
  • Trusted community partner with personalized support

Account Snapshot

Minimum Opening Deposit $100
Monthly Maintenance Fee $0 (when you maintain a minimum daily collected balance of $1,000, an average collected balance of $2,500 per statement cycle)
Interest Competitive, tiered rates based on daily collected balance
Transaction Limits Unlimited check writing and debit transactions
ATM Access Free at Chase, Publix (Presto!), and NYCE ATMs
Online & Mobile Banking Free, includes mobile check deposit
Bill Pay & ACH Included
FDIC Insurance Up to $250,000

Open Your Interest Checking Account Today

Speak with a Business Banker or visit a Sunstate Bank branch in Coral Gables, West Miami, or The Falls to learn more and get started.

Speak with a Business Banker

*Business Interest Checking is generally available to sole proprietorships and select non-profit entities. Partnerships and corporations may not be eligible to earn interest under current regulations. For full account disclosures, please call or stop into one of our branches. Rate tier information available here. Rates and terms may vary and are subject to change. Fees may reduce earnings. Additional fees may apply.