Business Deposit Accounts

Efficient cash management for all sizes of business

Whether you’re a solo entrepreneur or managing an established organization, Central Bank of Kansas City has the right fit for your company’s everyday financial needs. Our Business Banking Deposit accounts are designed to streamline your financial activities for more agile business banking. If you need to reorder checks, you can order through Deluxe.

cb Business eChecking

Great for tech-savvy businesses of any size.
  • All electronic account including free eStatements
  • Free business MasterCard debit card
  • Unlimited ACH and debit card transactions
  • Mobile Deposit now available
  • No monthly service fee1
  • Bill pay 

cb Small Business Checking

Great for small businesses with low to moderate checking activity each month.
  • Free Business MasterCard Debit Card
  • Up to 150 free transactions per month2
  • Mobile Deposit now available
  • Bill pay 
  • Free eStatements
  • Offset monthly fee with minimum balance requirement

cb Commercial Checking

Great for businesses with moderate to high checking activity.
  • Free Business MasterCard Debit Card
  • Competitive transaction fees based on account activity
  • Mobile Deposit now available
  • Earnings credit available to offset fees3
  • Bill pay 
  • Free eStatements

cb Business Checking Advantage (Money Market Account-MMA)

The optimal advantage account for earning interest. (Limited transactional money market account)
  • $1000 minimum opening deposit
  • $1000 minimum daily balance (to earn interest*)
  • Tiered interest rate based on balances
  • Interest compounded and credited monthly
  • Offset monthly fee with minimum balance requirement

All checking accounts require a $200 minimum opening deposit (except for MMA which requires $1000).
* Interest rates may change after the account is opened and are subject to change at the bank's discretion. See a representative for complete details.
1 No monthly service fee, if all eTransactions (except for deposits).
2 A monthly fee will be assessed if transaction count is over 150 transactions. Transactions include debits, credits, and deposited items.
3 The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily balance in the account for the period.

Savings Accounts

Let's talk about your business's goals

cb Business Savings

  • $100 minimum deposit
  • $100 minimum daily balance (to earn interest)
  • Unlimited deposits
  • Two free withdrawals and/or pre-authorized transfers
  • Competitive interest rates compounded daily and paid quarterly
  • No monthly fee if balance stays above $100
Grow your money, and your community, too. Invest in a CD for KC!
CD 4 KC logo
At Central Bank of Kansas City, we’re deeply invested in our community. You can be, too, with our special certificates of deposit. These CDs directly finance high-impact development projects in lower-income areas of Kansas City. It’s a safe investment at a competitive rate, and for a worthy cause! Find details on rate and terms at
Annual percentage yield (APY) effective 7/03/2023. Minimum balance of $5,000 required. A penalty may be imposed for early withdrawals. Early withdrawal penalty will reduce earnings. Offer may be withdrawn without notice. Member FDIC.

Benefits for business customers 

  • 24-hour access line - 816-965-5573
  • 24-hour night depository
  • Free online banking
  • Change and currency services
  • Wire transfers
  • Merchant bank processing (ask a representative for details)
For more savings products, visit our Personal Savings Accounts page.
Man and lady using a laptop computer

Savings, security, and simplicity.

Pay, track, and manage your bills all in one place.