Business Checking Accounts
Let our team of experts help you find the right business banking solutions you need to build your business. In addition to business checking accounts, we offer more specialized account types including accounts for nonprofits and IOLTA to help support organizations with unique banking needs.
Business Checking1
Choose this basic checking account if your business has low-to-moderate quantities of monthly transactions. You’ll benefit from a spectrum of helpful tools to support your day-to-day cash management.
Features & Benefits:
- 200 items allowed during the statement cycle — includes debits, credits and deposited items
- Monthly service charge of $16 can be waived with a minimum daily balance of $2,500
- No-fee online banking, bill pay and eStatements
- Optional additional account services such as overdraft protection2, online and mobile banking and more
- Get started with a $100 opening deposit
Business Interest Checking1
Our Business Interest checking account is right for you if you’d like all the benefits and features of Business Checking along with the option to earn interest on your balance.
Features & Benefits:
- 200 items allowed during the statement cycle — includes debits, credits and deposited items
- Monthly service fee can be waived by maintaining a daily balance; also waived for 501(c)(3) organizations.
- No-fee online banking, bill pay and eStatements
- Optional additional account services such as overdraft protection2, online and mobile banking, and more
- Get started with a $100 opening deposit
Business Advantage Checking1
Choose Business Advantage checking if your business transacts up to 500 items per month and requires more sophisticated services. This bundled solution provides a primary account and up to three additional linked Business Advantage accounts.
Features & Benefits:
- 500 items per statement cycle — includes debits, credits and deposited items
- Customized solutions for accounts payables and receivables
- Monthly service fee waived when average collected monthly balance between all accounts meets or exceeds $50,000
- No fee for first $10,000 in monthly cash deposits; $3 per month fee for each additional $1,000 in deposits
- Online banking3 with bill pay and eStatements are available
- Includes Remote Deposit Capture4 for one account
- Get started with a $100 opening deposit
Additional Services:
- Online Wire Origination Module5 to originate domestic, international and FX wires
- ACH Pre-Fund6 (credit only)
- ACH Debit Block
- Reverse Positive Pay7
- Additional security tools available
Analyzed Business Checking1
For more complex businesses or those with higher levels of activity, Analyzed Business Checking helps you monitor the services you receive from us so that you can reduce or eliminate monthly fees and make the most of your cash balance.
Features & Benefits:
- Consolidated reporting of balances and activity provides a detailed look at all of your banking services, so you can easily track costs and activities
- Treasury management services are integrated into your account
- Optional account services include overdraft protection, online and mobile banking and more
Specialty Checking Accounts1
For specialized businesses and organizations, Western Alliance Bank offers a carefully chosen suite of tailored checking accounts.
Nonprofit Accounts
Checking services for not-for-profit 501(c)(3) organizations help manage cash flow and adapt to changing economic conditions.
Political Campaign AccountsWe’ll help you set up a campaign account that complies with legal requirements and safeguards your funds so you can focus on your cause.
Interest on Lawyers Trust Account (IOLTA)This interest-bearing account for attorneys generates interest, which is pooled to provide funds for pro bono legal assistance for low- to moderate-income individuals and families. Learn more about our specialized banking for attorneys and law firms.
- All interest sent to your state Bar Foundation, which handles distribution to pro-bono legal assistance programs
- No monthly maintenance or service fee; no penalties
- Not a tiered-rate account
- Interest earned in this account is subject to rules governing attorney trust accounts in the state whose laws govern this account
- Requires an opening deposit of $100
Business Savings8
Put your money to work for your business. Our standard Business Savings account makes it easier to save and easier to benefit from those savings.
Features & Benefits:
- Competitive interest rates
- No-fee online banking3
- Additional tools and services available, including eStatements
- ATM/debit card
- Up to 25 deposits monthly
- $1,000 minimum opening balance required
- Monthly service fee waived for balances over $1,000
Business Money Market Account8
With our Business Money Market account, your money works as hard for your business as you do. You’ll enjoy earned interest, access to online banking with check-writing capabilities and more.
Features & Benefits:
- Competitive interest rates
- Tiered interest account
- Monthly service charge waived for nonprofit organizations or for holding a daily balance of $2,500
- No-fee online banking3
- Up to 25 items deposited per month
- Requires $1,000 opening deposit
Business Certificates of Deposit (CDs)
Business Certificates of Deposit (CDs) are time deposits that earn a competitive interest rate, with maturities ranging from 30 days to 60 months. Rates are based on the amount and time invested, often with higher rates for longer terms.
Features & Benefits:
- Interest paid on all balances
- Automatically renews for the same period if funds are not withdrawn at maturity
- Requires $1,000 opening deposit
- Early withdrawals may incur penalty9
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About Us
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We’re ready to help you get more from your business banking relationship. Find out how we can add value with responsiveness, innovative solutions and bankers who enjoy helping you meet your goals.
55 Almaden Boulevard
Suite 100
San Jose, CA 95113
United States
1. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.
2. Upon credit approval.
3. Enrollment in eStatements, People Pay or Bill pay require additional terms and conditions.
4. A Business Checking account required. Other related fees may apply. Some products and services may be subject to prior approval or fees. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Funds deposited through Remote Deposit Capture will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.
5. Some products and services may be subject to prior approval or fees. Other related fees may apply. Refer to disclosure provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information. Funds deposited through the Wire Origination Module will follow Western Alliance Bank’s funds availability policy as outlined in the Deposit Account Agreement Disclosure.
6. This functionality is based on the National Automated Clearinghouse Association (NACHA) 2017 rule adopting Same Day ACH Origination Solution as amended in 2020. Requires enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.
7. Requires enrollment in Business Online Banking. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.
8. Withdrawal transaction limits apply. Refer to disclosures provided at account opening and the Schedule of Fees and Charges for additional information.
9. Refer to the disclosures provided at account opening and the Schedule of Fees and Charges for additional information.