Analyzed Business Checking

Analyzed Business Checking pairs sophisticated treasury management with an earnings credit rate (ECR), so your operating balances offset fees instead of sitting idle. It also includes a higher cash deposit limit of $50,000 per month, two free domestic wires per month, and unlimited debit card transactions. At this scale, banking should contribute to your bottom line—not just hold your money—backed by the infrastructure to manage sophisticated cash flow with precision. 

An earnings credit rate (ECR) is a credit calculated based on eligible analyzed account balances that may be used to offset eligible monthly account service charges and fees.  Our current ECR is 2.00%, applied to your average daily balance to calculate credits that may offset eligible account fees and service charges. There is no cap on what your account may earn on the monthly ECR. However, any excess ECR after fees are offset are not credited to the account or roll over. See account disclosures for additional details. Instead of your balances sitting idle, they're put to work reducing your banking costs, a core feature of commercial treasury management. 

Advanced Business Checking is built for growing businesses managing increasing transaction volume and complexity. Analyzed Business Checking is the next level—sophisticated treasury management designed for high-volume, established businesses with broader cash-management needs and a focus on financial optimization.

Analyzed Business Checking is built to handle complex, high-volume transaction activity and the broader cash-management demands of running a large, established business—the kind of scale that requires real treasury infrastructure, not standard business checking. It includes unlimited debit card transactions. Checks paid are $0.10 per transaction; check deposits are $0.15 per transaction, and ACH items are $0.15 per item. Analyzed Business Checking includes a higher cash deposit limit of $50,000 per month and two free domestic wires per month.

There's no strict cutoff but Analyzed Business Checking is generally the right fit for established businesses with 50 or more employees managing significant transaction complexity. Your business banking relationship manager or a business banking support specialist can confirm it's the right match for your business. 

Whether you're upgrading from Advanced Business Checking or opening an account for the first time, we recommend talking with your business banking relationship manager, visit a branch or call 866.755.0628. Given the complexity this account supports, your business banking relationship manager will structure your account around the specific way your business already runs, not a template, a plan built with someone who knows your history.