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Specialty Business Checking Comparison

Spectrum Corporate Checking Public Funds Checking1 Civic Checking2 IOLTA Checking3
Account Features

Premium Spectrum Rates Eligible

Free Monthly Statements

Free Transactions at Any BankFinancial Owned ATMs
ATM Anywhere4

4 Free Transactions per Statement Cycle at non-BankFinancial ATMs4

Online Wires

Remote Deposit Capture

Visa Check Card
Online Banking
Mobile Banking
24/7 Bank-by-Phone
Online Bill Pay
Earns Interest
Per Item Charge

Minimum Opening Balance $50,000 $100 $100 $0
Minimum Daily Balance $50,000 $0 $1,500 $0
No Monthly Service Charge

Service Charge Can Be Avoided By Meeting Requirements Not Applicable Not Applicable
All Other Account Details See Full Details on Each Account Page See Full Details on Each Account Page See Full Details on Each Account Page See Full Details on Each Account Page

Learn more about our other checking options

  1. Account Owner must be a municipality or other public entity and is subject to approval for account collateralization or alternative balance protection in the sole discretion of BankFinancial
  2. Only available to 501(c)(3) and 501(c)(4) organizations
  3. Available to lawyers or law firms who need to establish a trust account for client funds
  4. There are no BankFinancial foreign ATM fees, but there may be a surcharge imposed by the owner of the other terminal or network.
For complete terms governing your account, please consult the Customer Agreement and Disclosure Statement, which can be found at The terms of the account, including fees or features, may change.