Business Checking Accounts
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Thrivent Financial Bank offers simple, competitive checking account options that can work for any size business or organization. Many of our solutions offer fee-free transactions (subject to the limitations further described below). Some of them even earn interest. Plus, we provide 24-hour access to your account through Business Online Banking.
Apply for a Business Checking Account
Feature |
Community Checking |
Community Checking Plus |
Business Checking |
Business Checking Plus |
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Customized for smaller, low volume, nonprofit organizations, this account earns interest |
Designed with features that medium-sized nonprofit organizations' need, this account offers an earnings credit and also earns interest |
An account designed for smaller or home businesses |
Larger small businesses find the features they need in this account, including the benefit of an earnings credit. |
Earns Interest |
Yes |
Yes |
No |
No |
Earnings Credit1 |
No |
Yes |
No |
Yes |
Minimum Daily Balance Requirement |
A low $250 daily balance waives your monthly maintenance fee |
No Minimum Daily Balance Requirement |
A low $250 daily balance waives your monthly maintenance fee |
No Minimum Daily Balance Requirement |
Monthly Maintenance Fee |
$10 |
$20 |
$10 |
$20 |
FREE Items per month |
200 |
N/A |
200 |
N/A |
Per Item Fee over 200 |
$0.30 |
N/A |
$0.30 |
N/A |
Debit Fee |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.17 |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.17 |
Deposited Item Fee |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.11 |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.11 |
Credit Fee |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.30 |
No charge if total number of items is less than 200; if greater than 200, $0.30 each |
$0.30 |
Online Banking |
No charge2 |
No charge2 |
No charge2 |
No charge2 |
Overdraft Protection |
$25 Annual Fee |
$25 Annual Fee |
$25 Annual Fee |
$25 Annual Fee |
Sweep Fee |
$25/month for an unlimited number of sweeps |
$25/month for an unlimited number of sweeps |
$25/month for an unlimited number of sweeps |
$25/month for an unlimited number of sweeps |
1 An earnings credit often may offset service charges. If total service charges are more than the earnings credit, your account is charged the difference. The earnings credit is based on the average collected funds less 10% mandatory reserve requirement. The Federal Funds' rate on the last Monday of the month determines the earnings credit rate.
2 Robust Business Online Banking and other Treasury Management Capabilities (e.g. Onsite Deposit Advantage) are available.
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