For businesses which utilize a significant number of banking services each month, this account provides maximum value by tracking account balances. By maintaining a required overall balance, you may offset account service fees. Free online banking and free online bill pay. Free business debit card. Free first order of personalized checks (selected styles only). $100 minimum to open. $12 monthly service charge. Per item fee charged for credit/debit items clearing the account. Imaged monthly bank statement.