Small Business Checking | Sunstate Bank
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Small Business Checking

Big Flexibility for Small Business Needs

You wear many hats - your business checking account shouldn’t be one of them. Sunstate Bank’s Small Business Checking Account gives you the essential tools to manage cash flow, accept payments, and run your business with ease - without paying for features you don’t need.

It’s simple, powerful, and designed for businesses like yours.

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Key Benefits

100 Free Transactions Per Month

Includes deposits, checks, ACH debits, and more. Just what a small business needs to operate smoothly.

Low Monthly Fees

Keep costs predictable. If you go beyond the 100-item threshold, enjoy low per-item fees after that.

Free Online & Mobile Banking

Access your account anytime - pay bills, deposit checks, and transfer funds from your phone or computer.

Business Bill Pay & ACH Tools

Easily pay vendors, suppliers, or employees right from your dashboard.

Business Debit Card Included

Make purchases and withdraw funds - accepted worldwide.

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Who Should Use This Account?

This account is ideal for:

  • Freelancers and sole proprietors
  • Startups and growing small businesses
  • Businesses with lower transaction volumes and moderate balances
  • Entrepreneurs looking for a low-cost, high-functioning account

Why Bank with Sunstate?

  • Trusted by South Florida’s small business community since 1999
  • Local decisions, fast onboarding, and personal attention
  • Multilingual service: English, Spanish, and Portuguese
  • Relationship banking with real people who understand your goals
  • Voted Miami-Dade’s Favorite Bank two years in a row

Account Snapshot

Minimum Opening Deposit $100
Monthly Maintenance Fee $0 (when you maintain a minimum daily collected balance of $1,500, an average collected balance of $2,500 per statement cycle – Up to 100 free items included)
Free Transactions First 100 items per month free (checks, deposits, etc.)
Excess Item Fee $0.30 starting at the 101st item
ATM Access Free at Chase, Publix (Presto!), and NYCE ATMs
Business Debit Card Included
Online & Mobile Banking Free, includes mobile check deposit
Bill Pay & ACH Access Yes - pay vendors and manage cash flow easily

Ready to Open Your Account?

Connect with a Business Banker or visit one of our branches in Coral Gables, West Miami, or The Falls. We’ll help you open your account, set up your digital tools, and position your business for success.

Connect with a Business Banker

*For full account disclosures, please call or stop into one of our branches. Additional fees may apply.