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: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Small Business Checking | Tailored Checking |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Monthly Maintenance Fee | $10 (Waivable) | $10 (waived with $5k balance) |
| Min. Balance to Waive Fee | $500 | — |
| Free Transactions | 150 per month | — |
| Cash Deposit Limit | $5,000 per month | — |
| Domestic Outgoing Wire | $30 | — |
| ATM Fee (In-Network) | — | $0 (MoneyPass/SUM) |
| Incoming Domestic Wire | — | $0 |
| Debit Card Cash Back | — | 1% |
Small Business Checking in one paragraph
A solid, low-hurdle traditional account for cash-heavy local businesses that can maintain a $500 balance.
Skip it if: You run a high-volume e-commerce store with more than 150 transactions per month.
Tailored Checking in one paragraph
A reliable, interest-bearing workhorse for businesses that keep $5,000+ in the bank and want the security of a chartered national bank.
Skip it if: You can't maintain a $5,000 balance or you do 90% of your business in physical cash.
Frequently asked questions
Who should skip Small Business Checking?
You run a high-volume e-commerce store with more than 150 transactions per month.
Who should skip Tailored Checking?
You can't maintain a $5,000 balance or you do 90% of your business in physical cash.