Coworkers in office

Specialty Business Checking Comparison


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



Premium Spectrum Rates Eligible ✔


Free Monthly Statements
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Free Transactions at Any BankFinancial Owned ATMs ✔ ✔ ✔ ✔
ATM Anywhere4


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4 Free Transactions per Statement Cycle at non-BankFinancial ATMs4
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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 ✔
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Minimum Opening Balance $50,000 $100 $100 $0
Minimum Daily Balance $50,000 $0 $1,500 $0
No Monthly Service Charge
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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 www.bankfinancial.com/disclosures/. The terms of the account, including fees or features, may change.