Business Checking

Add credibility to your business, manage your bills and more!
  • Minority-Friendly Bank
  • 35,000+ Free ATMs
  • Bank With Purpose
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Simply Free Business Checking¹

A great option for most small businesses.

  • No minimum balance fee or monthly service charge
  • Up to 1,000 transaction items per month without a fee
  • Up to $10,000 In cash deposits each month without a fee
Get Started
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Business Interest Checking²

If you’ll always keep more than $1,500 in your business checking account, you can earn interest on your checking deposits.

  • $1,500 Minimum balance, $7 monthly service charge if daily balance falls below $1,500
  • Up to 1,000 transaction items per month without a fee
  • Up to $10,000 in cash deposits each month without a fee
  • Review Rates here
Get Started
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Commercial Checking³

If your business is transaction-heavy, and has more than 1,000 transaction items per month, this is the checking account for you!

  • $15 monthly service charge
  • 15¢ transaction fee per transaction item.
    Credit allowance earned on deposit balances may offset activity fees
  • 50¢ cash deposit fee per $1,000 coin and currency deposits
Get Started

Check Out Our Merchant Services

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Clover® POS Station4

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ACH Originations

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Positive Pay

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You may also be interested in SBA Loans

Expand your business with our small business loans and take advantage of opportunities.


Our Commercial Relationship Officers will provide a high level of expertise during a one-on-one consultation.

Get Started
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You work hard for your money

Checking accounts at Ponce Bank can let your money work hard for you

Come sit down with us and learn about which checking account solution at Ponce Bank can work for you.
Find out more

Enjoy Convenient Access to Everyday Banking Tools:

FREE Online Banking

Once you download the app

Bill Pay*

 *Requires separate enrollment

Debit Card

Are you ready to take the reins
and secure your financial future?

Our Financial Mastery Series is not just about managing your money;
it is about unlocking your full potential and achieving your dreams!

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Small Business Lending

Is your small business looking to purchase real estate or refinance?
Learn more
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Small Business Bootcamp

A comprehensive program designed by Ponce Bank to assist small business owners and aspiring entrepreneurs looking to start their businesses.
Learn more
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Non-Profit Grassroots

A valuable resource that assists local nonprofits in developing skills, maximizing impact, and growing capacity.
Learn more

APYs effective as of March 18, 2026. Products, services, terms and conditions subject to change without notice. All loans subject to credit approval.

‍1 If the Simply Free Business Checking account exceeds 1,000 free monthly transaction items, the account may be converted to another checking product. If the Simply Free Business Checking account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product. Contact us for details.

2 If the Business Interest account exceeds 1,000 free monthly transaction items, the account may be converted to another checking product. If the Business Interest account exceeds $10,000 in monthly coin and currency deposits, the account may be converted to another checking product. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See business schedule of fees for details. Transaction items include all debits and credits.

3 Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply.
Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See business schedule of fees for details. Transaction items include all debits and credits.

4 ©2026 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.