Business Checking Account Details
Effective June 2026
| Account Type | Small Business Club Checking | Small Business Checking | Free Small Business Checking | Business Interest Checking | Business Checking |
|---|---|---|---|---|---|
| Features | Designed for small to mid-sized businesses that maintain moderate deposit or loan balances | Hassle-free business banking with a simple fee structure and a flat monthly fee | For small businesses that make few transactions and need to separate business and personal transactions | This interest-bearing account is available to all business entity types, benefiting businesses with larger balances. Available earnings credit allowances apply. | Designed for moderate to large-sized businesses with a high item count |
| Monthly Fee | $15 unless waived | $10 | None* $5 with check images | $18 | $18 |
| Earns Interest* | |||||
| Free Business Debit Card | |||||
| Free Arvest Online Banking* | |||||
| Free Arvest Online BillPay* | Unlimited | 15 per month | 15 per month | Ask for details | Ask for details |
| Business Sense Benefits | |||||
| Free Items Per Month | 200 | 200 | 100 | N/A | N/A |
| Fee Per Excess Item | $0.50 | $0.50 | $0.50 | N/A | N/A |
| Arvest Digital Business Services | Ask for details | Ask for details | Ask for details | Ask for details | Ask for details |
| Fee Per Credit/Debit Item | N/A | N/A | N/A | $0.30 | $0.30 |
| Fee Per Deposited Item | N/A | N/A | N/A | $0.07 Arvest Bank $0.12 Non-Arvest banks | $0.07 Arvest Bank $0.12 Non-Arvest banks |
| Fee Per Electronic Item | N/A | N/A | N/A | $0.15 | $0.15 |
| Fee Per POS Item | N/A | N/A | N/A | $0.10 | $0.10 |
| Balance to Waive Monthly Fee | $5,000 in total average deposit balances OR $20,000 in business loan balances OR $20,000 combination of both | N/A | N/A | Earnings credit* rate may offset fees | Earnings credit* rate may offset fees |
| Additional Benefits | Up to $25 off on first order of business-style checks Safe Deposit Box discount 2 cashier’s checks and/or money orders per day | N/A | N/A | N/A | N/A |
Additional Information
Balance Requirements
All Business Checking Accounts. Minimum to open $100.
Arvest Online Banking
Business Checking Accounts. Cash Manager available. Ask a Treasury Management and Payment Solutions Sales Advisor for details.
Arvest Online Billpay
Small Business Checking and Free Small Business Checking. Up to 15 free per month. Payments in excess of 15 per month are $0.50 each.
Business Sense
Small Business Club Checking. Visit arvest.mybusinesssense.com for full benefit details, terms and conditions, and activation instructions.
Benefits available for the Business; Data Breach Solutions, Legal Services1, Small Business Monitoring*, Private Wifi*,2.
Benefits available for the Business Owner3; Personal Identity Theft Benefits: Identity Fraud Resolution and Identity Theft Expense Reimbursement1, High Risk Transactions Monitoring*.
Benefits available for Business Owner and Employees; Personal Identity Theft Benefits: Identity Fraud Resolution and Identity Theft Expense Reimbursement1, Telehealth*,4,5, Health Discounts*,5.
Earnings Credit
Business Checking and Business Interest Checking. A rate is applied to certain balances kept in these accounts. The earnings credit may offset account maintenance fees that appear on your monthly statement. The earnings credit rate applicable to these accounts will be established from time to time by Arvest Bank.
Earns Interest
Business Interest Checking. Interest is paid on the daily collected balance at the current checking rate. This rate is variable and may change at any time.
Free Checks
Small Business Club. Up to $25 off on first order of business-style checks.
Negative Collected Balances
All Business Products. Charged at the current legal lending interest rate.
Non-Arvest ATM Transaction Fees
All Business Checking Accounts. Transaction fees may apply to usage of non-Arvest ATMs or other non-ATM Personal Identification Number (PIN) withdrawals or transfers.
Overdraft Coverage
Free Small Business Checking, Small Business Checking and Business Interest Checking — Up to $400
Small Business Club — Up to $1,000
Overdraft coverage is available upon approval between 30 and 120 days for all the above business checking accounts.
Visa Corporate Credit Card
All Business Accounts - Available upon approval; no annual fee.
* Benefits require registration/activation.
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and/or insurance documents can be found on arvest.mybusinesssense.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
2 Compatible with Apple®, Windows® and AndroidTM. Laptops: Windows running Windows 10 and above and Macs running OS X 10.10 Yosemite and above. Tablets and Smartphones: Android Phone and tablet devices running Android 6 and above and Apple iPhone, iPod and iPad devices running iOS 12 and above.
3 Eligibility: Benefits are available to primary checking account owner and one (1) additional account owner (“Business Owner(s)”). Benefits are not available to a “signer” on the account who is not an account owner or Business Owner.
4 Available to Business Owner(s) and Employees and their spouse/domestic partner and up to six (6) dependent children aged 2 and older.
5 This is NOT insurance.
Member FDIC.
