Business Accounts
Built for Business
Financial tools that work as hard as you do. That’s a plus.
We are committed to helping your business thrive with smarter, more cost‑effective banking solutions. Whether you’re looking for:
- a flexible Business Checking account with no unnecessary fees
- a high‑yield Business Money Market Savings option to grow your reserves
- or a secure IOLTA Commercial Checking account designed for legal professionals
we offer tools that keep your money working for you. Enjoy interest‑earning opportunities, convenient digital access, and services built to support your day‑to‑day operations—so you can focus on what matters most: growing your business.
Business Checking
Why pay unnecessary fees when you could reinvest that money back into your success?
- Earn interest on your account balance
- No monthly maintenance fees
- No charges for deposits or cleared items
- No minimum balance fees
- Commercial ACH Origination
- Wire transfer services available
- Night depositories offered at both branches
Business Money Market Savings Account
Work smarter, not harder, with a Business Money Market Account. This high-yield savings option helps your money grow while keeping it accessible.
- Manage funds through BizLink Online and Mobile Banking
- Make deposits and withdrawals anytime
- Daily interest and dividends calculation, paid monthly¹
- No monthly fees
- Night depositories available at both branches
- Tiered rates designed to maximize growth as your balance
- Max Earnings Daily Sweep enables businesses to boost earnings by automatically sweeping end‑of‑day operating funds into a higher‑yield investment account before interest is calculated.
IOLTA Commercial Checking
Our Interest on Lawyers Trust Accounts (IOLTA) provide a secure way for attorneys to place nominal and short-term client funds into pooled, interest-bearing accounts.
- Access through BizLink Online and Mobile Banking
- Make deposits and withdrawals anytime
- Daily interest calculation, paid monthly¹
- No monthly fees
- Night depositories available at both branches
- Tiered rates to help maximize returns
1If balance falls below $2,500, no daily interest will be calculated.
Business Rates
| Business Checking | Rate | APY^ |
|---|---|---|
| $100,000 - $999,999 | 0.15% | 0.15% |
| $1,000,000+ | 0.25% | 0.25% |
| Business Money Market Account | Rate | APY^ |
|---|---|---|
| $100,000 - $249,000 | 1.75% | 1.76% |
| $250,000 - $999,999,999 | 2.75% | 2.79% |
| Non-Profit Checking | Rate | APY^ |
|---|---|---|
| $1 - $24,999 | 0.05% | 0.05% |
| $25,000 - $99,999 | 0.10% | 0.10% |
^ Annual Percentage Yield. Rates effective as of January 29, 2025.
Contact Your Commercial Team
Dan Galbraith
danielg@tbacu.com
231.633.3361
Dan brings over 20 years of experience in the banking and financial services industry, and he’s a true plus for your business. His eagerness to build strong relationships and deliver tailored solutions means you gain a trusted partner who helps your business succeed. With Dan’s commitment to excellence and passion for empowering entrepreneurs, you can focus on continuous growth while knowing you have the right financial support on your side.
Carl Stewart
Carl adds another powerful plus with his 30-year career in banking and finance. He is dedicated to helping business owners find the best financial solutions to fuel their success. Specializing in commercial loans, financial statement analysis, and strategies to minimize risk and improve cash flow, Carl ensures your business has the tools to thrive. Whether you’re just starting out or expanding operations, Carl’s hands-on approach makes him a valuable partner in every stage of growth.
