Business Banking - Stone Bank

Stone Bank Business Banking Products



Commercial Loans


Advanced Services


Business Credit Cards


Quartz Free Business Checking Features


Opening Deposit


Hidden Fees

FDIC Insured

No monthly fees, no transaction fees, no deposit charges, and no minimum balance requirements

Backed with FDIC insurance
No hidden fees
Free transfers and incoming wires
Earns interest based on balance
Free Electronic Statements with Images
Free Internet Banking Account—includes free Bill Pay services
Line of Credit Sweeps—Move funds between accounts and your Line of Credit based on target balances
24/7 Account Security Monitoring
Human-powered customer service
Simple, easy-to-use mobile apps available 24-hours per day
Free Debit Card with Access to Apple Pay and Google Pay
Free Card Valet Services—Manage Your Debit Card with Our App:

  • Turn Your Card On/Off
  • Configure Alerts
  • Turn Location Services On/Off
  • Track/Control Spending by Location/Transaction Type

Free Business Checking requires a $100 minimum opening deposit and interest is paid on a tiered basis. Other restrictions may apply. Call for details.

Applying for an account should only take a few minutes.

What you'll need:

18+ years old
A U.S. citizen
Legal Business name
A cash or check deposit or a bank account to fund your new Stone Bank account

Please review the Stone Bank Disclosure Agreements and Policies


Small Business Banking

Advanced Business Services

The Foundation for Your Business Banking Needs.

Whether you’re looking for help with payroll, credit card processing, or record keeping, Stone Bank provides a solution for your business services needs.

Merchant Services

 Increase your revenue with a cost-efficient way to accept debit and credit cards at your business.

Remote Deposit Capture

Make check deposits from your location using a bank-provided scanner the size of a shoebox.

Gets your deposit in your account accurately and quickly from your place of business, without a trip to the bank.

 Enhances security and expands research capabilities. An excellent option for business customers with no convenient branch access.

Credit Card Processing

An easy way to accept and process credit card payments.

A simple-to-implement way of getting payments processed accurately and quickly.

Online Wire Transfer Services

Initiate domestic wire transfers from your business computers anytime with our secure, easy to use, online wire service.

You define the limits and control employee access with optional dual control.

Settle transactions almost instantaneously.

Receipt can be confirmed quickly and easily.

Enter the transfers when it’s convenient for you.

Decreases settlement time and provides the ability to quickly confirm receipt of payment.

Business Credit Cards

 Take control of your company expenses with a Stone Bank Business Credit Card.

ACH & Payroll Services

Incoming Automated Clearing House (ACH) payments are transferred directly from your customer’s bank account to yours.

Funds are automatically available on predetermined effective dates.

A more efficient way to save time and increase efficiency.

A great solution for businesses that collect recurring payments.

Convenient for professional service providers offering payment plans to clients/patients.

ACH can be used for collections of any accounts receivable—one time or recurring.

Control your company’s payroll process, make vendor payments, and collect recurring payments.


Positive Pay

Prevent check fraud with advanced technology that allows the review of every check your company writes to verify currency amount, check number, and date issued before it debits your account.

Good for any business who issues a high volume of checks or has experienced check fraud.

An essential for any business with a history of more than average stop payments.

Line of Credit Sweep

Move funds automatically between deposit accounts and a pre-arranged Line of Credit (LOC) based on desired target balances.

Excess balances in deposit accounts automatically pay down on open LOC.

Automatic advances from open LOC to keep deposit accounts at a desired balance.

Zero Balance Account

Automatically move funds from operating account to a separate payroll or A/P account for easier record keeping.

Payment accounts are allowed to maintain a zero balance or a set target balance.

Take Control of Your Business’s Finances.

Find the Credit Card that Fits Your Business Needs.

Whether you’re looking to better manage your business expenses or make your business purchasing easier, Stone Bank offers the credit card option you’re looking for to increase your purchasing power.

No Annual Fee

Stone Bank’s business credit cards have no annual fees and no charge for adding employee cards. They also come with rewards to earn you points on every dollar and provide fraud monitoring with 24/7 customer service.

Business Credit Card