Overview
Choosing a business deposit account
Chain Bridge Bank, N.A. offers nine business deposit accounts: Business Checking, Chain Bridge Business Checking, Analyzed Business Checking, Business Interest Checking, IOLTA Checking, Nonprofit Checking, the Business Money Market Account, the Business Savings Account, and the Certificate of Deposit. They serve the organizations the Bank works with: trade associations, government contractors, nonprofits, law firms, and think tanks.
Political committees, political action committees, and 501(c)(4) social welfare organizations open the accounts described on the Political and PAC Deposit Accounts page.
Checking options range from accounts for businesses with limited check writing and deposit activity to Analyzed Business Checking for depositors with high transaction volumes and large balances. The Business Money Market Account and the Business Savings Account hold short-term excess funds outside the operating account. For larger idle balances, ICS® provides access to multi-million-dollar FDIC insurance coverage. Each checking, money market, and savings summary below lists the minimum opening deposit, the minimum average monthly balance, and the monthly service charge. Select Additional features on a card for the services included with that account.
Wire and ACH instructions are on the Routing Number page. The Funds Availability Disclosure explains when funds from your deposits become available.
Checking & Money Market
Business Checking & Money Market Accounts
The operating account comes first. Four checking accounts cover organizations from limited monthly activity to high transaction volumes, and two serve specific organizations: IOLTA Checking for law firms and Nonprofit Checking for nonprofit organizations. Balances above operating needs can stay insured through ICS.
Everyday checking
Business Checking
The Business Checking account serves startups, consulting practices, sole proprietorships, and other small businesses with limited check writing and deposit activity.
Minimum opening deposit$100
Minimum average monthly balance$2,500
Monthly service charge if the average balance falls below the minimum$7.00
Business Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 250 free/month @ $0.40 over 250 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic 5 |
| Interest bearing | No |
| Earnings credit | N/A |
Checking with treasury services
Chain Bridge Business Checking
Chain Bridge Business Checking includes remote deposit capture, which permits checks to be deposited from the office, and access to the Treasury Management platform for reporting on an organization’s cash flow.
Minimum opening deposit$100
Minimum average monthly balance$7,500
Monthly service charge if the average balance falls below the minimum$25.00
Chain Bridge Business Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 500 free/month @ $0.40 over 500 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | No |
| Earnings credit | N/A |
Analyzed checking
Analyzed Business Checking
Analyzed Business Checking serves depositors with high transaction volumes and large balances. Fees are charged on a per item basis and offset by an earnings credit based on all balances.
Minimum opening deposit$100
Minimum average monthly balanceNone
Monthly service chargeNone
Analyzed Business Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | Per item |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | No |
| Earnings credit | Yes |
Interest-bearing checking
Business Interest Checking
Business Interest Checking serves not-for-profits and sole proprietorships that want to earn interest on operating balances.
Minimum opening deposit$100
Minimum average monthly balance$7,500
Monthly service charge if the average balance falls below the minimum$25.00
Business Interest Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 500 free/month @ $0.40 over 500 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | Yes |
| Earnings credit | N/A |
Law firms
IOLTA Checking
IOLTA Checking holds client funds for law firms under state Interest on Lawyers’ Trust Accounts programs, with interest remitted to the state program as the program requires. The Law Firms page describes the Bank’s services for law practices.
Minimum opening deposit$100
Minimum average monthly balanceNone
Monthly service chargeNone
IOLTA Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 500 free/month @ $0.40 over 500 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | Yes |
| Earnings credit | N/A |
Nonprofit organizations
Nonprofit Checking
Nonprofit Checking is the operating account for nonprofit organizations, associations, and community organizations. Section 501(c)(4) social welfare organizations open 501(c)(4) Checking™, described on the Political and PAC Deposit Accounts page. The Nonprofit Organizations page describes the Bank’s services for nonprofits.
Minimum opening deposit$100
Minimum average monthly balanceNone
Monthly service chargeNone
Nonprofit Checking: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 250 free/month @ $0.40 over 250 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | No |
| Earnings credit | N/A |
Savings & Time Deposits
Business Money Market Account, Business Savings Account and Certificate of Deposit
These accounts hold reserves rather than day-to-day activity. The Business Money Market Account and the Business Savings Account are reserve accounts for short-term excess funds. The Certificate of Deposit sets funds aside for a term you choose. For larger idle balances, ICS provides access to multi-million-dollar FDIC insurance coverage.
Money market
Business Money Market Account
The Business Money Market Account is a reserve account for short-term excess operating funds.
Minimum opening deposit$100
Minimum average monthly balance$5,000
Monthly service charge if the average balance falls below the minimum$25.00
Business Money Market Account: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 250 free/month @ $0.40 over 250 |
| Online Bill Pay | Free |
| ATM/Debit Card | Free |
| ATM surcharge at another bank’s ATM 4 | First 5 reimbursed |
| Monthly statement | Electronic |
| Interest bearing | Yes |
| Earnings credit | N/A |
Savings
Business Savings Account
The Business Savings Account is a reserve account for short-term excess funds held outside the operating account.
Minimum opening deposit$100
Minimum average monthly balance$2,500
Monthly service charge if the average balance falls below the minimum$25.00
Business Savings Account: additional features
| Treasury Management Online Banking 1 | Free |
|---|---|
| Wire Module | $50 per year |
| ACH Module | $50 per year |
| Remote Deposit Capture 2 | $35-$75 / monthly |
| Combined transaction item count 3 | 250 free/month @ $0.40 over 250 |
| Online Bill Pay | Free |
| ATM/Debit Card | Not offered |
| ATM surcharge at another bank’s ATM | N/A |
| Monthly statement | Electronic |
| Interest bearing | Yes |
| Earnings credit | N/A |
Time deposit
Certificate of Deposit
The Certificate of Deposit is a time deposit with a fixed interest rate, available for terms from 3 months to 60 months.
Fixed-rate terms3 to 60 months
Please see our deposit rates for the current rates offered on our Certificates of Deposit, or call 703.748.2005 to discuss options.
Certificate of Deposit: additional features
| Terms available | 3 months to 60 months |
|---|---|
| Interest rate | Fixed for the term |
| Interest bearing | Yes |
1. Service is free. Rush payments, donations, payroll service, and stop payments require additional service charges.
2. Pricing depends on the options chosen.
3. Combined transactions include: checks paid, items deposited, deposit tickets, ACH credits received, and ACH debits received.
4. There is no charge by Chain Bridge Bank, N.A. for the use of another bank’s ATM. The other bank may impose a surcharge. Chain Bridge Bank, N.A. reimburses the first five of these surcharges per cardholder per month.
5. Paper statement not available on this account.
Footnotes 1 through 3 describe the checking, money market, and savings accounts above. Footnotes 4 and 5 apply only where referenced. None apply to the Certificate of Deposit.
Related pages: report on cash flow through Treasury Management, look up the Bank’s routing number, review the Funds Availability Disclosure, or review coverage of larger balances through ICS.
Banking for yourself or your family? Free Checking, Interest Checking, the Money Market Account, the Savings Account, and the Certificate of Deposit are described on the Personal Deposit Accounts page.
Frequently asked questions
Business deposit account questions
How do I open a business deposit account?
Select Open an Account Now to complete the Bank’s online application. To discuss which account fits your organization first, call 703.748.2005, Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time, or use the Get in Touch page.
Which checking account fits a small business with limited activity?
The Business Checking account serves startups, consulting practices, sole proprietorships, and other small businesses with limited check writing and deposit activity. Organizations with more activity can compare Chain Bridge Business Checking and Analyzed Business Checking above.
How do I avoid a monthly service charge?
Keep the minimum average monthly balance listed on the account: $2,500 for Business Checking, $7,500 for Chain Bridge Business Checking, $7,500 for Business Interest Checking, $5,000 for the Business Money Market Account, and $2,500 for the Business Savings Account. IOLTA Checking and Nonprofit Checking have no minimum average monthly balance and no monthly service charge. Analyzed Business Checking has no minimum average monthly balance either; its fees are charged on a per item basis and offset by an earnings credit based on all balances.
What is IOLTA Checking?
IOLTA Checking holds client funds for law firms under state Interest on Lawyers’ Trust Accounts programs, with interest remitted to the state program as the program requires. The Law Firms page describes the Bank’s services for law practices.
Does Chain Bridge Bank, N.A. serve nonprofit organizations?
Yes. Nonprofit Checking is the operating account for nonprofit organizations, associations, and community organizations. Business Interest Checking also serves not-for-profits that want to earn interest on operating balances. Section 501(c)(4) social welfare organizations open 501(c)(4) Checking, described on the Political and PAC Deposit Accounts page. The Nonprofit Organizations page describes the Bank’s services for nonprofit organizations.
How can balances above the standard FDIC insurance limit stay insured?
For larger idle balances, ICS provides access to multi-million-dollar FDIC insurance coverage. See the Bank’s ICS page.
Are deposits insured by the FDIC?
Chain Bridge Bank, N.A. is a member of the Federal Deposit Insurance Corporation (FDIC Cert #58595), and deposits are insured by the FDIC up to applicable limits. For coverage of larger balances, see ICS.
Where are wire and ACH instructions?
Wire and ACH instructions are on the Routing Number page. The Funds Availability Disclosure explains when funds from your deposits become available.
What terms are available for Certificates of Deposit?
Certificates of Deposit are available for terms from 3 months to 60 months. Current rates are listed on the deposit rates page, and a relationship associate can discuss options at 703.748.2005.
Does Chain Bridge Bank, N.A. offer personal deposit accounts?
Yes. Free Checking, Interest Checking, the Money Market Account, the Savings Account, and the Certificate of Deposit are described on the Personal Deposit Accounts page.
Get started
Open a business deposit account
Complete the online application to open an account. To discuss which account fits your organization, call 703.748.2005, Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time, or use the Get in Touch page.
This page is provided for informational purposes only. Account terms, service charges, and features are governed by the Bank’s deposit account agreements and current disclosures. Account opening is subject to the Bank’s approval and identity-verification requirements. Current rates are listed on the deposit rates page. Member FDIC.
Last reviewed: September 1, 2026.
