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Business Banking>Checking & Savings

BankChampaign maximizes your business funds with a range of available accounts, all which offer online banking and mobile banking features. Debit cards are available with any of the following accounts.

Commercial Checking*

Small Business Checking
Low cost checking for small businesses with limited transactions
Minimum opening deposit of $300
No monthly service charge
100 free transactions per month (includes deposits, deposited items,
debits, ACH)
$.30/transaction over 100

Commercial Checking
Essential tool for medium to large businesses with higher levels of activity
Minimum opening deposit of $300

$10/month service charge + transaction fees: $0.15/deposit, $0.10/deposited item, $0.15/debit (includes ACH)

Earnings credit to offset fees = Current NOW account rate

Unlimited checkwriting

Commercial NOW Checking
Ideal for individuals operating as sole proprietorships
Minimum opening deposit of $300
$10/month service charge + transaction fees: $0.15/deposit, $0.10/deposited item and $0.15/debit (includes ACH)
Daily balance of $200 or more to earn interest
Unlimited checkwriting

Community NOW Checking
Available for non-profit, religious, educational and fraternal organizations
Minimum opening deposit of $300
No monthly service charge

Unlimited free transactions

No daily balance requirement to earn interest

Merchant Checking
Designed for high volume retail accounts

$15/month service charge + transaction fees: $0.66/deposit, $0.36/deposited item, $0.23/debit (includes ACH)

Earnings credit to offset fees = NOW account rate (based on average monthly ledger balance less average uncollected balance and bank’s legal reserve amount)

$1.35/$1,000 currency

$0.35/coin roll

$1.65/$1,000 currency (cash) deposited

FDIC insurance fee = $0.19/$100 average monthly balance

$75 overnight security fee

Commercial Savings

Commercial Money Market
The higher the balance, the higher the rate

Minimum opening deposit of $1,500

Daily balance of $200 or more to earn a tiered rate of interest

Unlimited withdrawals/deposits in person; limited to six transfers/checks/electronic debits per month; checks and electronic debits are $2 each

$10/month service charge if balance falls below $5,000

Commercial Savings Account

A safe haven for business assets

Minimum opening deposit of $200
All balances earn interest that is compounded quarterly
Nine free withdrawals per quarter; additional withdrawals are $1 each
Limit of 6 transfers/electronic debits per month

$9/quarter service charge if daily balance falls below $200

Certificates of Deposit
100% FDIC insured

Terms ranging from 3 months to 5 years

Jumbo certificates available

Interest compounded quarterly

Penalties may be enforced for early withdrawals

*Unlawful Internet Gambling Notice - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic funds transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.


For more information, call 217.351.2870 or email:

Kellie Kneipp

Sharon Armstrong



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