Online Banking User Name

First time user?

Enroll Now >

Business Checking

Apply Here
Business Checking Comparison (Rate Table)
Featuree-Z Small Biz e-Z BIZe-Z BIZ Intereste-Z Non-Profite-Z Commercial Money Market
Minimum to Open$100$100$2,500$100$1500.00
Earns InterestCheckmarkCheckmark
ATM/Debit CardCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Online BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Mobile BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
24-Hour Telephone BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
eStatementsIncludedIncludedIncludedIncludedIncluded

Learn More e-Z BIZ

Learn More e-Z BIZ Interest

Learn More e-Z Non-Profit

Learn More e-Z Commercial Money Market

e-Z Small Biz

Designed for new and growing businesses, this account provides a simple and reliable way to manage everyday finances, with the flexibility to add services as your business evolves. Ideal for sole proprietors, startups, and small businesses.

Features

  • $100 minimum deposit required to open
  • No monthly service charge
  • No monthly minimum balance requirement
  • Up to 200 transactions at no charge per statement cycle*
  • 24-Hour Telephone Banking (225-654-1516)
  • e-Statements included
  • Small Business Online & Mobile Banking 
  • Business Debit Mastercard® available at account opening
  • Optional Business Overdraft Protection
  • No cash deposit fees
  • Night depository access available at most branch locations
  • Digital deposit capabilities
  • No incoming wire transfer fees
  • Export account data into QuickBooks®, Quicken® or Microsoft Excel

A $100 minimum deposit is required to open an account. *A $0.25 per item charge applies to transactions exceeding 200 per statement cycle. Paper statements are available upon request for $5.00 per month. Other optional services may be available and subject to additional fees. Night depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

e-Z BIZ Checking

The e-Z Biz Checking account is a noninterest-bearing account designed to support the everyday banking needs of business customers with convenient access and straightforward features.

Features
  • $100 minimum deposit required to open
  • Avoid the $15.00 monthly service charge by maintaining a minimum daily balance of $5,000 during the statement cycle
  • Unlimited deposits  
  • Unlimited check-writing privileges
  • 24-Hour Telephone Banking (225-654-1516)
  • e-Statements included
  • Business Online & Mobile Banking with optional additional user access
  • Business Debit Mastercard® available at account opening
  • Optional Business Overdraft Protection
  • No cash deposit fees*
  • Digital deposit capabilities
  • No incoming wire transfer fees*
  • Export account data into QuickBooks®, Quicken® or Microsoft Excel
  • Night Depository access available at most branch locations
  • Access to Treasury Management and cash management solutions

$100 minimum deposit is required to open an account. A $15 monthly service charge will be assessed if the account balance falls below $5,000 during any day of the statement cycle. Treasury Management and other optional services may be subject to additional fees. Night depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

e-Z BIZ Interest

Let your checking account work overtime for your business by earning deposits a competitive interest rate. It takes $2,500 to open the account and earn interest, and a $10,000 minimum balance to avoid the $15 monthly service charge.

Rates

Effective Date: 6/1/2026

Business Checking Account (Rate Table)
Interest RateAPY*Minimum To OpenMinimum To Obtain APY
0.25%0.25%$2,500$2,500

*APY – Annual Percentage Yield 

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts.

 

$2,500 required for opening balance. No monthly service charge if your lowest balance during the cycle is $10,000 and above. $15 monthly service charge if your balance is less than $10,000. The first 25 checks or debits you transact per statement cycle are free. $0.25 cents per item will be charged thereafter.

e-Z Non-Profit

Support your organization’s mission with a simple, flexible account designed for the everyday financial needs of non-profit organizations. The e-Z Non-Profit account provides convenient access and essential tools—so you can stay focused on making an impact in your community.

Features
  • $100 minimum deposit required to open
  • Avoid the $5.00 monthly service charge by enrolling in e-Statements
  • Unlimited deposited items
  • Unlimited check writing
  • 24-Hour Telephone Banking (225-654-1516)
  • Business Online & Mobile Banking with optional additional user access
  • Business Debit Mastercard® available at account opening
  • Optional Business Overdraft Protection
  • No cash deposit fees
  • Digital deposit capabilities
  • No incoming wire transfer fees
  • Export account data into QuickBooks®, Quicken® or Microsoft Excel
  • Access to Treasury Management and Cash Management Solutions
  • Night Depository access available at most branch locations

A $100 minimum deposit required to open an account. A $5.00 monthly service charge will apply if the account is not enrolled in e-Statements. Additional fees may apply for certain services, including Treasury Management and Cash Management services. Night Depository access requires a Night Depository Agreement. Fees may apply for night depository bags and key access. Overdraft services are subject to approval and applicable fees. Debit card transactions may be subject to daily limits.

e-Z Commercial Money Market

Our Commercial Money Market account is designed for businesses that want to earn a competitive rate of interest on excess funds while maintaining limited access to liquidity. By maintaining higher balances, your business can take advantage of tiered interest rates and help optimize earnings on operating reserves.

Features
  • $1,500 minimum deposit required to open and earn interest
  • Avoid a $15 monthly service charge by maintaining a minimum daily balance of $1,500 during the statement cycle
  • Interest is calculated using tiers based on daily collected balances and credited monthly
  • Unlimited deposits
  • 24-Hour Telephone Banking (225-654-1516)
  • Unlimited cash withdrawals in person or at a Bank of Zachary ATM*
  • Certain transfers and withdrawals over six (6) per statement cycle are subject to a fee**
  • e-Statements included
  • Business Online & Mobile Banking with optional additional user access
  • Business Debit Mastercard® available at account opening
  • No cash deposit fees*
  • No incoming wire transfer fees*
  • Access to Treasury Management and cash management solutions
Rates

Effective Date: 6/1/2026

TiersDaily Collected BalanceInterest RateAPY*
Tier 1$1,500.00 - $24,999.990.25%0.25%
Tier 2$25,000 - $99,999.990.85%0.85%
Tier 3$100,000 - $249,999.991.50%1.51%
Tier 4$250,000 - $499,999.991.75%1.76%
Tier 5$500,000 +2.25%2.27%

*APY – Annual Percentage Yield

Interest is calculated on the daily collected balance and paid on the entire balance based on the applicable tier. Interest is compounded and credited monthly. The interest rate and Annual Percentage Yield (APY) for each tier may change at any time. Fees may reduce earnings on these accounts.

A $1,500 minimum deposit is required to open and earn interest. A $15 monthly service charge will be assessed if the account balance falls below $1,500 during any of the statement cycle.

**Certain transfers and withdrawals, including checks, debit card transactions, and preauthorized or electronic transfers (including online and telephone transfers), are limited to six (6) per statement cycle. A $10 fee will apply for each transaction exceeding this limit. *In-person and ATM withdrawals do not count toward this limit.

Interest rates are variable and subject to change at any time after the account is opened. *Fees may reduce earnings and are subject to change. 

Business Loans

Whether you are looking to purchase equipment or secure a line of credit, we can tailor a loan program to your business.

Learn More about Business Loans