USLA Bank | Business Checking

Free checking accounts for businesses less than 300 debits per month
Online banking access including QuickBooks, Quicken export

Debit cards
Elavon Merchant Service (credit card machine)
Health Savings Accounts available
Personal customer service

Account	Business Preferred Plus Checking	Business 1000 Checking	Business Analysis Checking
Account Description	A free checking account perfect for small business needs	Business checking account for business customers that have between 101 – 300 debit transactions per month	Business checking account for business customers that have over 300 debit transactions per month
Minimum Opening Deposit	$100	$100	$100
Minimum Balance Requirement	None	$1000 average monthly balance	N/A
Service Charge	Free	Free ($10 if minimum not maintained)	Based on analysis of usage
Transaction Limits	100 Debit transactions per month	300 Debit transactions per month	Unlimited
Statements	Image statements showing front copy of checks.	Image statements showing front copy of checks.	Image statements showing front copy of checks.
Overdraft Privelege	$500	$500	$500
Online Banking	Yes	Yes	Yes
Online Bill Pay	Add-on option	Add-on option	Add-on option
Debit Card	Yes	Yes	Yes
Sweep Functionality	Add-on option	Add-on option	Add-on option
Overdraft Protection	Line of credit available in varying amounts. Requires credit approval.	Line of credit available in varying amounts. Requires credit approval.	Line of credit available in varying amounts. Requires credit approval.
Checks	Checks available at cost depending on design	Checks available at cost depending on design	Checks available at cost depending on design

Frequently asked questions

What skills are most important for working in banking?

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Is prior banking experience neccesary?

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What is work culture like at USLA?

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What credit score do I need to apply?

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Do I need to make a down payment?

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What documents do I need to apply?

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How do I open a checking account?

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How do I set up direct deposit?

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How can I monitor account activity?

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How can I tell if a call, email, or text from my bank is legitimate?

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How can I report a scam attempt to USLA?

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How often should I check my bank statements for fraud?

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How do I open a savings account?

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Are there any limits on how many withdrawls I can make?

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Is my savings account insured?

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Will switching banks affect my credit score?

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Can I keep my old bank account open while I transition?

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How long does it take to fully switch to a new bank?

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What is the difference between a will and a trust?

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Can I revoke a trust after it is created?

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Can a trust help with charitable giving?

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How can I make changes to my account?

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How do I set up my POS terminal?

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How do I review a recent transation?

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How often to savings account interest rates change?

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What happens if I withdraw money from my CD early?

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Are interest rates for home loans fixed, or variable?

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What qualifications do I need for a commercial loan?

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Can startups or new businesses qualify for a loan?

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How long does it take to get approved?

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What are the requirements to open a business checking account?

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How is a business checking account different from a personal account?

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Can I open multiple business checking accounts?

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How is interest calculated on a CD?

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Can I add money to my CD after opening it?

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What are the benefits of an IRA over other retirement savings options?

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How long does the estate administration process take?

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What happens if someone passes away without a will?

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How are estate taxes and debts handled?

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How do you determine the best investment strategy for me?

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What types of assets will be included in my portfolio?

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How often do you review and adjust my investments?

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With previous banks, I just felt like a number. The good people at USLA bank treat me like a real person, not just a customer, but a friend!

Rob Wilson, Wilson Lawson Myers Insurance, Farmer

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