Small Business Checking vs Tailored Checking: which one fits your business?
Side-by-side comparison of Small Business Checking and Tailored Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Tailored Checking wins on our scorecard (7.3/10 vs 6.3/10).
| Scored on | Small Business Checking | Tailored Checking |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 5 | 6 |
| Features | 7 | 8 |
| Monthly Maintenance Fee | $12 (waivable) | $10 (waived with $5k balance) |
| Minimum Balance to Waive | $500 | — |
| Free Transactions | 150 per month | — |
| Cash Deposit Limit | $5,000 free per month | — |
| Domestic Outgoing Wire | $30 | — |
| Minimum Opening Deposit | — | $100 |
| Domestic Incoming Wires | — | $0 |
| Domestic Outgoing Wires | — | $18 |
| ATM Fees | — | $0 + worldwide rebates |
Small Business Checking in one paragraph
A reliable, 'old-school' choice for cash-heavy local businesses that can stay under the 150-transaction limit.
Skip it if: You run a high-volume e-commerce store with more than 150 monthly transactions.
Tailored Checking in one paragraph
A solid, rewards-focused account for established businesses that maintain a $5,000 buffer and want the security of a chartered bank.
Skip it if: You cannot consistently maintain a $5,000 average daily balance or if you primarily deposit physical cash.
Frequently asked questions
Which is better, Small Business Checking or Tailored Checking?
On our five-axis scorecard, Tailored Checking scores higher (7.3/10 vs 6.3/10). A solid, rewards-focused account for established businesses that maintain a $5,000 buffer and want the security of a chartered bank.
Who should skip Small Business Checking?
You run a high-volume e-commerce store with more than 150 monthly transactions.
Who should skip Tailored Checking?
You cannot consistently maintain a $5,000 average daily balance or if you primarily deposit physical cash.