Business Checking Accounts

Tubic Bank offers a wide range of checking accounts to meet your business’ unique needs. From those needing basic services to those seeking more detailed service and style, we have an account for you.

Checking Account Benefits

Regardless of your choice, all of our business checking accounts come with a great range of standard benefits:

Remote Deposit Capture
Instant Issue Debit Card
Online Banking¹
Mobile Banking²
Online Bill Pay³
Merchant Processing
eStatements⁴
Check Image Statements

¹For Small Business, Growth Business and Interest Plus Business, single sign-on and eStatements required or $5 monthly fee is assessed. Single sign-on and eStatements required for Business Analysis Checking; otherwise, $5 per month for single sign-on users; $12 for multiple login IDs.
²For mobile banking, carrier rates may apply.
³Fees and restrictions apply to some account types.
⁴Requires enrollment.

Overdraft Protection

A benefit of your checking account, overdraft protection is there to protect you from returned checks. Instead of returning the checks, we will automatically pay them for you, up to your security limit.

Eligibility:

Bounce Proof Security is a benefit of most checking accounts.
Business accounts eligible for Bounce Proof Security will automatically be enrolled in Bounce Proof Plus.
This benefit may be withdrawn at the Bank’s discretion.
New accounts must remain in good standing and maintain a positive balance for at least 30 days to be eligible.
Business checking accounts that are not eligible for Bounce Proof Security are: Nonprofit, Government Entities, and Public Fund accounts.

How it works:

Bounce Proof Security will generally pay overdrafts up to your limit, with a maximum overdraft of $500.
An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.
Overdrafts must be repaid within 30 days.
Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing.*

Overdraft Protection Notices & Preferences

*Good standing includes at least: making regular deposits consistent with your past practices; not being in default on any loan obligation to the Bank; not being subject to any legal or administrative order or levy.

Bounce Proof Plus

In addition to the features of Bounce Proof Security, enrollment in Bounce Proof Plus allows account holders to use overdraft protection for everyday debit card and ATM transactions. There is no enrollment fee for Bounce Proof Plus enrollment. An overdraft fee of $35 per item will apply if you overdraw your account using your ATM or Debit Card.

Safety Link

Safety Link will automatically transfer funds from a linked Savings, Checking, Money Market, or Line of Credit account at Tubic Bank to another deposit account. The fee for Safety Link is $10.00 per transfer. Safety Link transfers the amount required to cover the presented item plus $10.00 to cover the transfer fee, which leaves the account at a $0.00 balance after the transfer. To enroll in Safety Link, please visit the Tubic Bank Branch nearest you.

The Bank is not obligated to pay any item presented for payment if your account does not contain sufficient collected (available) funds, and any discretionary courtesy payment by the Bank of any non-sufficient fund items, electronic or paper, does not obligate it to pay any additional non-sufficient fund item or to provide prior written notice of its decision to refuse to pay any additional non-sufficient fund item.

Pursuant to the Bank’s commitment to always provide excellent customer service, if your account has been open for at least 30 days, the Bank will consider, as a discretionary courtesy and not a right or obligation, approving your reasonable overdrafts when your account is in good standing, which includes at least:

• Making regular deposits consistent with your past practices
• Not being in default on any loan obligation to the Bank
• Not being subject to any legal or administrative order or levy

This courtesy will generally be limited to maximum of $500 for accounts in good standing. Of course, any and all bank fees and charges, including without limitation, the non-sufficient fund/overdraft fees of $35 per item (as set forth in our fee schedules) will be included in this limit.

The total of the courtesy overdraft (negative) balance, including any and all bank fees and charges, including all non-sufficient fund/overdraft fees, is due and payable upon demand, and Depositor and each Authorized Signer will continue to be liable for such amounts, as described in the Depositor Account Agreement.

Bounce Proof Security is not available for the following: Non-Profit Organizations, Estates, and Minors. This courtesy will be suspended in the case of account holders that file bankruptcy, have garnishments or levies placed on the account, accounts with any suspicious activity, and for account holders who default on a loan obligation with the Bank.

Approval of reasonable overdrafts by the Bank on accounts in good standing (as described above) is only a courtesy, and not a right or obligation and is within the Bank’s sole and absolute discretion, and can cease at any time without prior written notice or reason or cause. Credit agencies may be notified if overdrafts are not paid as agreed.

The bank has established the following payment order for customer debits, following the posting of customer credits. The payment order is designed to ensure check clearing procedures and item processing order is fair and does not maximize customer overdrafts. (1) Account to account transfers - smallest to largest, (2) ATM/Check Card transactions - smallest to largest, (3) ACH Debit transactions - serial number order if possible, otherwise smallest to largest, (4) Checks presented in person - cashed checks and then deposited checks in serial number order, (5) Other Checks - serial number order.

Mobile Wallets

Mobile Wallets let you pay with your Tubic Bank VISA® debit card at participating merchants in-store and in-app directly from your Samsung®, Apple®, or Android™ device. You never even have to hand over a card and your personal information stays more secure.

Apple Pay

Add your Tubic Bank debit card to make purchases using Apple Pay™ in-store and in-app with your eligible iPhone or Apple Watch™.

Learn More About Apple Pay

Click "Learn more about Apple Pay" to see complete list of compatible devices. Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are a trademarks of Apple Inc.

Google Pay

Add your Tubic Bank debit card to make purchases using Google Pay™ in-store and in-app with your eligible Android device. Download the Android Pay app to get started.

Learn More About Android Pay

Android Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+. Android and the Android Logo are trademarks of Google Inc.

Samsung Pay

Add your Tubic Bank debit card to make purchases almost anywhere using Samsung Pay™ in-store and in-app with your eligible Samsung device. Download the Samsung Pay app to get started.

Learn More About Samsung Pay

Click "Learn more about Samsung Pay" to see complete list of eligible devices. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Travel Notifications

Want to keep your account safe and secure while traveling? The power is yours with CardValet and CardNotify! Monitor and manage your finances from anywhere.

CardValet

Your debit card at your control. Enjoy your travel with peace of mind knowing you can monitor your account 24/7 using Tubic Bank CardValet.

It’s FREE, it’s FAST and it’s EASY!
Location based alerts & controls

Usage alerts & controls

On/Off card status feature

Download the CardValet App from Apple App Store or Google Play today!

CardNotify

Fraud control at your fingertips. Just update your contact information to allow the receipt of fraud text notifications.

Greater risk mitigation
Faster communication with cardholder to alert potential fraud

Lost or Stolen VISA Debit Card?

If your debit card has been lost, stolen or you believe it has been compromised in any way, call for assistance as soon as possible.

1-800-472-3277

Want to Change Your PIN Number?

To change your pin number, please visit any Tubic Bank ATM or call for assistance.

1-888-217-3669

Compare Account Options

Small Business Checking
Start Ups and light transaction volume
$100 minimum opening balance
250 combined items at no cost per calendar month^*
No minimum balance and no monthly service fees
Free Online Bill Pay^**
Non-Interest Bearing Account

Growth Business Checking
Growing businesses
$100 minimum opening balance
500 combined items at no cost per calendar month^*
$15,000 average collected daily balance per calendar month or $20 monthly service fee will apply
Unlimited Online Bill Pay
Non-Interest Bearing Account

Business Analysis Checking
Heavy Transactions
$100 minimum opening balance
$0.10 per electronic debits and credits
$0.10 per checks and deposits
$0.08 per deposited item
No minimum balance required. $10 monthly service fee
Online Bill Pay^***
Non-Interest Bearing Account
Earnings Credit to offset fees

Interest Plus Checking
Ideal for businesses that want to earn interest
$100 minimum opening balance
250 combined items at no cost per calendar month^*
$2,500 average collected daily balance per calendar month or $12 monthly service fee will apply
Free Online Bill Pay^**
Earns Interest on entire collected balance

*Combined items include deposits, deposited items, checks & electronic items; $.50 fee applies per item in excess of amount allowed per calendar month **Up to 15 payments per calendar month. $0.50/payment thereafter. ***Per line item fees apply

For Small Business, Growth Business and Interest Plus Business, single sign-on and eStatements required or $5 monthly fee is assessed. Single sign-on and eStatements required for Business Analysis Checking; otherwise, $5 per month for single sign-on users; $12 for multiple Login IDs.

SAVE TIME, BE PREPARED

Documentation you'll need to open a business account.

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