Political and PAC Deposit Accounts

Political & PAC Banking

Operating accounts for political committees, PACs and 501(c)(4) organizations

Chain Bridge Bank, N.A. offers six checking account options designed for political organizations: Political Checking^™ and Political Checking Premium^™ for political committees, PAC Checking^™ and PAC Checking Premium^™ for political action committees, and 501(c)(4) Checking^™ and 501(c)(4) Checking Premium^™ for social welfare organizations. These accounts are available to eligible organizations nationwide.

The Political Committees page describes how to open an account and what documents a treasurer needs. Each account summary below lists the minimum opening deposit, the minimum average monthly balance, and the monthly service charge. The Bank’s routing number, used for wires, ACH, and direct deposit, is on the Routing Number page.

Businesses, trade associations, nonprofit organizations, and law firms open the accounts described on the Business Deposit Accounts page.

Select Additional features on an account summary below for the services included with that account. The Wire Module, the ACH Module, Remote Deposit Capture, and the ATM/debit card are available upon request.

Committees

Political Checking

Political Checking is the operating account for political committees: campaigns, party committees, joint fundraising committees, and Section 527 organizations.

Minimum opening deposit	$100
Minimum average monthly balance	$3,000
Monthly service charge if the average balance falls below the minimum	$10.00

Political Checking: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	150 free/month @ $0.40 over 150
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	N/A

Committees, premium tier

Political Checking Premium

Political Checking Premium is the analyzed checking tier of the committee account, for committees with higher average balances and higher monthly transaction activity. There is no monthly transaction limit; per-item charges apply and are offset by an earnings credit based on account balances.

Minimum opening deposit	$100
Minimum average monthly balance	None
Monthly service charge	None

Political Checking Premium: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	Per item
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	Yes

Political action committees

PAC Checking

PAC Checking is the operating account for political action committees: separate segregated funds of corporations, trade associations, membership organizations and labor organizations, Super PACs, hybrid committees, leadership PACs, and nonconnected PACs.

Minimum opening deposit	$100
Minimum average monthly balance	$5,000
Monthly service charge if the average balance falls below the minimum	$10.00

PAC Checking: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	250 free/month @ $0.40 over 250
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	N/A

PACs, premium tier

PAC Checking Premium

PAC Checking Premium is the analyzed checking tier of the PAC account, for PACs with higher average balances and higher monthly transaction activity. There is no monthly transaction limit; per-item charges apply and are offset by an earnings credit based on account balances.

Minimum opening deposit	$100
Minimum average monthly balance	None
Monthly service charge	None

PAC Checking Premium: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	Per item
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	Yes

Social welfare organizations

501(c)(4) Checking

501(c)(4) Checking is the operating account for 501(c)(4) social welfare organizations, including advocacy organizations. Organizations with higher average balances and higher monthly transaction activity may open 501(c)(4) Checking Premium instead.

Minimum opening deposit	$100
Minimum average monthly balance	None
Monthly service charge	None

501(c)(4) Checking: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	250 free/month @ $0.40 over 250
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	N/A

Social welfare organizations, premium tier

501(c)(4) Checking Premium

501(c)(4) Checking Premium is the analyzed checking tier of the 501(c)(4) account, for organizations with higher average balances and higher monthly transaction activity. There is no monthly transaction limit; per-item charges apply and are offset by an earnings credit based on account balances.

Minimum opening deposit	$100
Minimum average monthly balance	None
Monthly service charge	None

501(c)(4) Checking Premium: additional features

Treasury Management Online Banking¹	Free
Wire Module	$50 per year
ACH Module	$50 per year
Remote Deposit Capture^{2, 6}	$35 to $75 per month
Combined transaction item count³	Per item
Online Bill Pay	Free
ATM/Debit Card	Free
ATM surcharge at another bank’s ATM⁴	First 5 reimbursed
Monthly statement	Electronic⁵
Interest bearing	No
Earnings credit	Yes

Service is free. Rush payments, Gift Pay checks, donations, payroll service, and stop payments require additional service charges.
Pricing depends on the options chosen.
Combined transactions include: checks paid, items deposited, deposit tickets, ACH credits received, and ACH debits received.
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.
Paper statement not available on this account.
Remote Deposit Capture is $75 per month with a multi-feed scanner, $50 per month with a single-feed scanner, and $35 per month for the service alone, where the organization connects its own scanner to the Bank’s system. Scanners supplied by the Bank are leased.

Frequently asked questions

Political and PAC banking questions

What bank do political campaigns and PACs use?

Political committees and PACs bank with institutions experienced in campaign treasury operations. Chain Bridge Bank, N.A., headquartered in McLean, Virginia, provides political banking nationwide and offers dedicated checking accounts for campaigns, party committees, PACs, Super PACs, and 501(c)(4) organizations.

What accounts does Chain Bridge Bank, N.A. offer political committees and PACs?

Political Checking serves campaigns, party committees, joint fundraising committees, and Section 527 organizations. PAC Checking serves separate segregated funds, Super PACs, hybrid committees, leadership PACs, and nonconnected PACs. 501(c)(4) social welfare organizations open 501(c)(4) Checking. Each of the three has a premium tier. The Political Committees page describes how to open an account.

Can a state or local campaign or party committee open Political Checking?

The Bank reviews requests from state and local campaigns and party committees individually. Before applying, a committee should confirm availability with the Political Banking Team at (571) 899-6660. The Political Committees page describes the documents a committee needs.

Which account does a Super PAC open?

A Super PAC opens PAC Checking or PAC Checking Premium. The account follows the depositor’s registration and organizing documents rather than the term it uses for itself: a committee registered with the FEC opens the PAC account, and an organization recognized under Section 501(c)(4) opens the 501(c)(4) account. Where a 501(c)(4) organization and an affiliated committee are separate legal entities, each entity opens its own account. The Political Banking Team confirms the right account for a committee’s structure and activity at (571) 899-6660.

Where do 501(c)(4) organizations open an account?

Every 501(c)(4) social welfare organization opens 501(c)(4) Checking or its premium tier, 501(c)(4) Checking Premium, whatever its activity. Section 501(c)(3) organizations and other nonprofits that are not 501(c)(4) organizations open Nonprofit Checking, described on the Business Deposit Accounts page. The Nonprofit Organizations page describes the Bank’s services for nonprofits.

Get started

Talk with the Political Banking Team

A dedicated relationship officer coordinates the account-opening process for committees, PACs, and 501(c)(4) organizations nationwide.

Call (571) 899-6660 Email the Team

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. This page is general information about banking with Chain Bridge Bank, N.A. and is not legal, tax, or campaign-finance advice. Political Checking™, Political Checking Premium™, PAC Checking™, PAC Checking Premium™, 501(c)(4) Checking™, and 501(c)(4) Checking Premium™ are trademarks of Chain Bridge Bancorp, Inc. Applications pending with the U.S. Patent and Trademark Office. Member FDIC.

Last reviewed: September 1, 2026.

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