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small business checking account in Kansas City

How to Choose the Right Bank For a Small Business Checking Account

Banking / December 15, 2020

In many cases, small business owners don’t think twice about the bank they choose to work with. However, if you choose the right bank for your needs, you may discover your bank can go beyond simple transactions. 

Since Cornerstone Bank prides ourselves on being a small business in the Kansas City area, we understand the importance of helping our other businesses like us achieve financial growth. Keep reading to learn more about what to look for in a small business checking account and how to find the bank to fit your needs.  

Learn more about the importance of banking in business →

Fees and other checking account limitations 

While most business checking accounts will come with some associated fees, there should never be an astronomical amount that puts a damper on your budget. Whenever you sign up for an account, such as a non-interest bearing checking account, you should ask the banker to outline each fee line by line. This not only allows you to avoid future surprises, it can also help you better plan your transactions. 

Banker availability and personalized service

Small businesses often have limited staff, so it can be difficult to work on a bank’s 9 to 5 schedule or even have to muddle through automated prompts. Sometimes larger national banks have such a vast concentration of customers they can’t give personalized attention to each. As a result, you may be stuck calling and recalling until you can receive the help you need. 

On the other hand, when you choose a local bank like Cornerstone, you won’t have to worry about waiting in long lines, holding on the phone for extended periods, or being treated like a number. Instead, you get one-on-one service and guidance based on your particular circumstance and concerns. 

💡Bonus: At Cornerstone Bank, we give each client our personal cell phone numbers. That way we are available outside of normal business hours in case anything comes up. 

Understanding of the local community

As an owner, you probably understand the importance of your local community and the people in it—they’re often the ones who bring the most business. Therefore, it would be a huge bonus to work with a bank that has a connection with the city around them, which often stems from being a small, local business themselves. When your bank understands how to run a successful business in your area through real life experiences, your bankers will be better equipped to give expert advice on finding more success within the community. 

Benefits of Banking Locally in 2021 →

Learn more about choosing a small business checking account in Kansas City

More than anything, our bankers are here to help you with any of your financial needs. Since 2001, we have been a primary resource for our customers across the Kansas CIty metro and the country. We take pride in watching our customers thrive, no matter who you are. 

We always put our customers first, and that means giving them the best banking has to offer. We don’t believe in simple banking; rather, we go above and beyond to help our customers make their money work for them. 

For more information, visit our Overland Park office or give us a call at 913-239-8100 to let us know how we can help.