Depository Services

We understand the challenges your business faces in today’s dynamic marketplace. That’s why we’ve tailored our Depository Services to your volume of transactions, with flexible options for smaller businesses and accounts that help offset your cost of banking based on collective account balances for larger businesses.

CONVENIENT AND EASY DEPOSIT AND CHECKING SERVICES

​Let our Business Bankers help you choose the Deposit Account best suited to managing your liquidity needs.

CHECKING ACCOUNTS​

  • Business Analyzed Checking – Ideal for growing Businesses with moderate transaction volume that need core Treasury Management Services
  • Basic Business Checking – Recommended for Businesses with low transaction volume that do not need Treasury Management Services​
  • Premium Business Checking – Recommended for Businesses with growing transaction volume that do not need Treasury Management Services and have other checking accounts with Opus Bank
  • Business Interest Checking – Recommended for Businesses with low transaction volume that do not need Treasury Management Services and have excess short term liquidity

BUSINESS
ACCOUNTS

BASIC BUSINESS CHECKING

BUSINESS INTEREST CHECKING

PREMIUM BUSINESS CHECKING

BUSINESS ANALYZED CHECKINGCOMMERCIAL ANALYZED CHECKING
Opening deposit $100.00 $100.00 $100.00 $100.00  $100.00 
Monthly service charge $15.00 $10.00 $20.00 $25.00  $15.00 
How to avoid monthly service charge $2,500.00 average monthly balance $2,500.00 minimum daily balance or $10,000.00 average monthly balance $5,000.00 minimum daily balance or $15,000.00 combined average balance with other primary Opus Bank checking accounts Earnings credit rate is calculated on average investable balance and applied to offset fees Earnings credit rate is calculated on average investable balance and applied to offset fees
Check card Yes Yes Yes Yes Yes
Interest bearing No Yes No Earnings Credit Earnings Credit

Monthly transaction items

Up to 250 transactions included at no charge1

$0.13 per item after the first 250
Up to 250 transactions included at no charge1

$0.13 per item after the first 250
Up to 1,000 transactions included at no charge1

$0.13 per item after the first 1,000
No per item fees

N/A

Refer to Banker for Details

Cash Deposit fee No charge up to
$10,000 per month

$1.25 above
$10,000 per month
No charge up to
$10,000 per month

$1.25 above
$10,000 per month
No charge up to
$10,000 per month

$1.25 above
$10,000 per month
No charge up to
$10,000 per month

$1.25 above
$10,000 per month
N/A

Refer to Banker for Details

Treasury Management Services

ACH Credit
Origination Module
Not available Not available Not available

No charge -
Available with checking plan

N/A

Refer to Banker for Details

Online Wire Module

$25 per month


Online wire fees apply to each transfer3

Not available

$25 per month


Online wire fees apply to each transfer3

No charge -
Available with checking plan


Service includes up to 5 monthly outgoing wire transfers2

N/A

Refer to Banker for Details

Specialty ACCOUNTS

CONTACT US TODAY AND PUT THE STRENGTH OF AN OPUS BANK TO WORK FOR YOUR BUSINESS

​1 Transactions include deposit tickets, checks deposited, checks paid, ACH credits and ACH debits.
​2 An online wire transfer fee will apply to each transfer beyond five (5). Refer to Banking Schedule of Fees for details.
​3 Refer to Banking schedule of fees for details.