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Commercial Checking

Commercial Checking Accounts

Experience Personalized Banking for Your Business

Rule number one for commercial checking: It needs to be simple, straightforward, and super-easy to manage.

Our commercial checking accounts check all those boxes with 24-7 digital banking, bill pay, no minimum balance requirements, low opening deposit, and two of our commercial accounts have no monthly service fees and no transaction limits. 

Now that’s about as simple as you can get.

relationship one

Relationship ONE*

Free commercial checking for businesses with a qualifying relationship with Alabama ONE, such as a commercial loan or debit card.

  • $25 opening deposit
  • No monthly service fee
  • No minimum balance required
  • e-Statements
  • Digital Banking
  • Debit card
  • Overdraft options available 
  • Unlimited transactions
  • Sweep Account options available
  • Checks
  • Online bill payment


*Overdraft/Non-Sufficient Funds fees may apply.

Apply Now
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Community ONE*

Free commercial checking account for non-profit organizations and associations.

  • $25 opening deposit
  • No monthly service fee
  • No minimum balance required
  • e-Statements
  • Digital Banking
  • Debit card
  • Overdraft options available 
  • Unlimited transactions
  • Sweep Account options available
  • Checks
  • Online bill payment


*Overdraft/Non-Sufficient Funds fees may apply.

Apply Now
community one banking

Ascend Checking*

Our Ascend Checking Account* gives you or your business the flexibility to make more transactions, while enabling you to earn a higher interest rate. With a minimum initial deposit of $5,000 of new deposits, a Mastercard® Debit Card, Digital Banking, e-Statements, and qualifies for Excess Share Insurance and relationship enhancements.

  • Initial deposit of $5,000
  • 30 free debit transactions per month
  • Mastercard® Debit Card
  • Digital Banking
  • e-Statements
  • Earn 1.00% Annual Percentage Yield (APY)
  • Earn up to an additional 1.60% interest with enhancements
  • Dividends are compounded and paid monthly
  • Available for consumer and business accounts
  • Excess Share Insurance (ESI) up to an additional $250,000 and premiums are paid by Alabama ONE
Learn More
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Treasury Services

checking savings

Flex Accordion

The Flex Accordion is capable of producing a rich and vibrant sound, making it suitable for a variety of musical styles, such as folk, polka, tango, zydeco, and even some contemporary genres.


  • Smart Safe allows cash intensive businesses to securely deposit cash in a safe provided by Alabama ONE at your business.

  • Daily provisional credit is extended for deposited cash while residing securely within the Smart Safe until a scheduled armored pickup is performed.

  • Easy tracking and reconciliation of cash deposits.

 

Flex Accordion
  • The Flex Accordion is a versatile and unique musical instrument that falls into the category of free-reed aerophones.
  • Accordion 1
  • Accordion 2
  • Accordion 3

  • High speed check scanner provided and installed by Alabama ONE at your business for high volume check deposits without ever leaving your business.
  • Ideal for businesses that routinely make a large volume of deposits consisting of a large volume of checks.
Flex Accordion
  • The Flex Accordion is a versatile and unique musical instrument that falls into the category of free-reed aerophones.
  • Accordion 1
  • Accordion 2
  • Accordion 3

  • Utilize wire transfer services to transfer funds to or from other financial institutions for business purposes.
  • Use call back services or passcode feature for additional security.
  • Establish wire transfer authorizations and limits for your employees.
Flex Accordion
  • The Flex Accordion is a versatile and unique musical instrument that falls into the category of free-reed aerophones.
  • Accordion 1
  • Accordion 2
  • Accordion 3

  • Use Sweeps to set target account balance by daily transferring of funds to or from a member source account. Only accounts maintained at Alabama ONE are available for Sweeps.
Flex Accordion
  • The Flex Accordion is a versatile and unique musical instrument that falls into the category of free-reed aerophones.
  • Accordion 1
  • Accordion 2
  • Accordion 3

  • When payroll funds are deposited via ACH, business members with employees that bank with Alabama ONE can have employee payroll funds distributed across multiple accounts such as savings accounts, checking accounts and even loan accounts held within Alabama ONE.
Flex Accordion
  • The Flex Accordion is a versatile and unique musical instrument that falls into the category of free-reed aerophones.
  • Accordion 1
  • Accordion 2
  • Accordion 3

Business Debit Card

With Every Commercial Checking Account

Alabama ONE Business Debit Card

  • Save on dining, gas, travel and more at 45,000+ merchants

  • Rebates are automatically credited to your business checking account

  • QuickBooks and TurboTax discounts

  • Mobile Receipt Management App

  • Mastercard BIZ online resources

  • Mastercard ID Theft Protection™

  • MasterRental™ rental car insurance

  • $0 Liability for unauthorized charges

  • Mastercard Golf Experiences

  • Priceless Offers & Experiences

  • Mastercard Airport Concierge™

*This account is subject to a fee of $10 each month, if the account balance falls below $5,000. Rates may change after the account has been opened. Debit transactions are (checks, debit card transactions, ACH withdrawals, transfers). Fees could reduce earnings on the account. Account(s) with balances $5,000 - $499,999.99 qualify for relationship enhance­ment. Relationship enhancement does not apply to accounts where balance exceeds threshold balance $500,000 or greater. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Online Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility.  For each of the listed enhancements; your account will receive an additional 0.20% dividend rate up to a maximum additional of 1.60% dividend rate unless otherwise specified. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

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