Commercial Checking

Don’t limit your business; help it grow with commercial checking services from City Bank. Perfect for larger businesses, our commercial checking accounts provide unlimited transactional items with low per-item fees. These accounts are specially designed to handle the high balance levels and transaction volume of large businesses. 

Account Features

  • Complete check writing privileges
  • Unlimited transactions
  • Wide variety of cash management services – remote deposit capture, Positive Pay, courier banking, business debit card and more
  • $250 minimum opening deposit
  • Monthly service charge by analysis1

Our team of professional commercial bankers will work with you to ensure you have the features at your fingertips that best meet your commercial banking needs.

Small Business Checking

Business checking that’s good for your business. That’s what you get with a small business checking account from City Bank. Your account will give you the tools and advantages you need to efficiently control business cash flow every day.

Account Features

  • No monthly service charge
  • Free online access to account balances, activity, paid check and deposit ticket images, and more
  • Up to 150 combined items2
  • Only $100 needed to open the account

An experienced City Bank commercial banker can help you choose the account that fits the way you do business, with powerful features to help your business thrive. 


Commercial Interest Checking

A City Bank commercial interest checking account is a smart way to maximize the money you have and manage money going out. Make the most of your cash with a generous yield on your balance while conducting as many monthly transactions as you need to. 

Account Features

  • $1,500 minimum to open
  • $201 a month if balance falls below $1,500. 
  • Unlimited transactions
  • Convenient access to your account through online banking
  • Interest paid monthly on calculated daily balance
  • Sole proprietorships & Non-Profit organizations only

This account can enhance your operations, cash flow and bottom line. Boost earnings even further by maintaining a minimum daily balance of $1,500 or more to avoid a monthly maintenance fee.


Commercial Money Market

Save more with a commercial money market account from City Bank. This account allows you to earn more than a basic business savings account typically returns, yet also gives you the freedom of a lower balance requirement and greater flexibility when making withdrawals. 

Account Features

  • Interest is paid out based on your daily account balance
  • No monthly service charge for a minimum daily balance of $1,500 or more 
  • If balance falls below $1,500, no interest earned
  • Only $201 a month when your balance goes below $1,500

For those who do not need frequent access to their funds, a business money market account can help you save for short-range goals and maintain a high level of liquidity.


Need help setting up your Business Incorporation or EIN Tax Id? We can help! 

We have partnered with MyCorporation, a Deluxe Company, to help make the process of forming your business and getting a tax ID simple.

Create your business

Get your EIN Tax ID

Information on the Corporate Transparency Act


Beginning January 1, 2024, the Corporate Transparency Act will require most business entities to report information about their beneficial owners to the US Department of the Treasury Financial Crimes Enforcement Network (FinCEN). The Beneficial Ownership Information (BOI) Report is a non-tax form that contains information about the company and two categories of individuals: the beneficial owners and company applicants. 

A beneficial owner is an individual who directly or indirectly owns or controls a company. 

A company created or registered to do business before January 1, 2024, will have until January 1, 2025, to file its BOI report. A company created or registered on or after January 1, 2024, will have 30 days to file its initial BOI report.

 More information about the Reporting Rule is available at To review Frequently Asked Questions from FinCEN, visit

Custom Checking Solutions

Take full advantage of a City Bank business checking account to help your business succeed. To get started, please call 1-800-OUR-BANK today or stop by your local City Bank branch location to set up an appointment with an officer. 


1All fees subject to sales tax in New Mexico. 2Combined items include Debit Card transactions, ATM withdrawals, deposits, checks, etc.. .25¢ charge will be applied to items that occur after the initial 150.