Better Together ℠
Business Checking

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Bank with the people who care about your business.


We'll cut the red tape, long lines, and cumbersome processes so you can get more things done. Our Better Together service and Berkshire knowledge will make it easier for you and can help your Berkshire business thrive. 

Business Checking
Business Investment Checking
IOLTA Accounts

Let us help you find the perfect business checking product for your needs.  Call (413) 447-7304 or visit a branch office today.

Business Checking Accounts


Whether you are starting out or need efficient high volume processing, we offer the business checking accounts and supporting services designed to meet your needs.

ProductBetter Together
Small Business Checking
Better Together
Commercial Checking
Best for Businesses that have fewer than 300 transactions per month and maintain a low balance Businesses that have a moderate or high monthly transaction volume and maintain a high balance
Minimum To Open

$0

$100

Monthly Service Charge

$0

$7.50

Transactions Included 300 free checking transactions, including checks paid, deposits, deposited items, ACH credits/debits, and transfers 40 free checks paid
and
20 free deposits
and
100 free bulk items (deposited items)
Fee For Each Additional Transaction $0.35 $0.25 per check paid
$0.65 each deposit
$0.10 each bulk item
Earnings Credit Can Reduce or Eliminate Monthly Service Charge and Transaction Fees No Yes
Credit is earned for every $100 that the average collected balance is over $1500. The earnings credit rate is adjustable.
Sweep Available Overdraft Protection*
Courtesy Pay
Sweep at any dollar amount**
Earns Interest No Use the Sweep** for Automatic Cash Management (Maximize Interest).

Anywhere Together

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Mobile Check Deposit

Instant Issue MasterMoney Debit Card

Use Any ATM Surcharge Reimbursement*

Thousands of Free SUM ATMs

E-statements

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Mobile Check Deposit

Thousands of Free SUM ATMs

E-statements

Safe and Secure Together

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Fraud Monitoring

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Fraud Monitoring

Learn More

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*Overdraft Protection

Safeguard yourself from returned checks, preserve your credit rating, and protect yourself against overdraft charges by selecting an optional Overdraft Protection services.

Savings Sweep


Automatically transfer funds from your statement savings account or line of credit to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 charge for every check returned for insufficient funds.  Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Courtesy Pay


Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.

 

**Automatic Cash Management Sweep

Maximize your income, earn higher interest rates, and maintain ready access to your cash, without investing extra time. We can automatically manage your cash. You set the amount of money you want to keep in your checking account each day. After your daily transactions are reconciled, any amount in excess of the amount you set is automatically transferred into a high-interest sweep account. If the reconciled amount is less than what you set, the funds you need are transferred to your commercial checking account. 

 

Open a Business Checking Account Today

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Real People. Real Service.
Banking Is Better Together.

Business Investment Checking


For those who keep a $100,000 minimum balance in a checking account, Business Investment Checking provides a high rate of interest on the amount over $100,000.

ProductBetter Together
Business Investment Checking
Minimum To Open

$100

Interest On Amounts Over $100,00

Yes

Interest On The First $100,000

None

IOLTA Accounts


Interest On Lawyers Trust Accounts (IOLTA) are for attorneys and law firms that maintain escrow funds for multiple clients. This account has checking privileges for lawyers to disburse funds. There is no minimum amount required to open the account, minimum balance, or per-check fees.

An IOLTA Checking Account pools the funds into a single, interest-bearing account. The account allocates interest earned to the Massachusetts Bar Foundation, the Boston Bar Foundation, and the Massachusetts Legal Assistance Corporation for charitable purposes.

 

Open a Business Investment Checking Account Today

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Real People. Real Service.
Banking Is Better Together.

 
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