A Checking Account, Built for Growth

Your open business checking account is waiting. Take control of your cash flow, streamline bill payments, and partner with a bank that champions local entrepreneurs every step of the way.
  • Digital tools
  • FDIC Insured
  • No hidden fees
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Simply Free Business Checking

Start your business with a straightforward account that saves you money. This account is ideal for new businesses and entrepreneurs focused on managing day-to-day costs.
  • Avoid monthly service charges and minimum balance fees.
  • Process up to 1,000 transaction items monthly at no cost.
  • Deposit up to $10,000 in cash each month without a fee.
Get Started
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Business Interest Checking

Put your cash balance to work. This account lets you earn interest on your funds while managing your daily business operations.
  • Earn 0.05% Annual Percentage Yield (APY) on your account balance.
  • Maintain a $1,500 daily balance to waive the $7 monthly service charge.
  • Process up to 1,000 transaction items monthly at no cost.
  • Deposit up to $10,000 in cash each month without a fee.
Get Started
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Commercial Checking

Manage high transaction volumes with an account built for established businesses.
  • $15 monthly service charge for robust account management.
  • Pay a simple 15¢ fee per transaction item.
  • Handle large cash deposits with a 50¢ fee per $1,000.
Get Started

Every Ponce Bank Business Account Includes:

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FREE Mobile Banking

Manage your money securely from anywhere. Check balances, transfer funds, and monitor activity on the go.
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Debit Card

Make purchases and access cash easily with a business debit card for your company.
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Online Bill Pay

Save time and stay organized. Schedule payments and manage your bills from one secure place.
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Streamline Your Operations with Powerful Tools

Integrate your Ponce Bank business checking account with services designed to save you time and protect your bottom line.

Fund Your Next Big Move
with a Small Business Loan

Secure the capital you need to seize opportunities and grow your business. Our Commercial
Relationship Officers provide one-on-one guidance to find the right financing for you.

APYs effective as of January 22, 2026. Products, services, terms and conditions subject to change without notice. All loans subject to credit approval.

1  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. 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.