Business Checking Accounts

Whatever the size of your business, there is sure to be a business checking account to suit your needs. Achieve your business goals with Plumas Bank’s business banking solutions.




Business owners need a business checking account that will help meet their growing business goals. With unlimited deposits and online banking, Plumas Bank has a business checking account to meet your business’ needs. 


If you own a business, it is a good idea to open a business checking account to separate your personal and business transactions. All your business transactions are tracked on a separate statement. Separating your business transactions from your personal transactions helps monitor your business's profitability.

There are many benefits to opening a business checking account: 

  • Better organization - A business checking account separates your personal and business expenditures. Separating your business transactions from your personal transactions makes business expenditures easier to identify and helps monitor your business’s profitability.
  • File taxes accurately – A business checking account helps to ensure you file taxes accurately. You can deduct business expenses on your tax return. By having a business checking account and the monthly business statements as documentation, it is easier to prove to the IRS that the expenses are business related.
  • Accept credit card payments - With a business checking account you may want to set up a credit acceptance system, otherwise known as merchant services. Plumas Bank offers this service through our partner, BASYS. Accepting credit cards may help you serve a larger customer base.
  • Ability to have multiple signers on the business account – If you have employees that do administrative duties, you can have multiple signers on a business account. This frees up more time for you to focus on more revenue-generating aspects of your business. Please be sure you trust these employees because they have access to your personal information.
  • Look professional and build a strong banking relationship – By opening a business checking account you establish a qualified business name and you begin building a relationship with your bank. If there comes a time to have a need for a business loan, you have already established a banking relationship which may help in the loan process.  

See disclosures listed below for full product and service details.

Description Local Business Checking is best for business owners who may write very few checks and have limited banking needs. This account is good when you may have a high-volume business with a large number of transactions.  When you may want liquidity while earning interest. When you may process a very large number of transactions and/or handle a high volume of cash.
Unlimited # of Deposits to Business Accounts
Included Online Banking, Mobile Banking, and Bill Pay
Included eStatements
Included Plumas Bank Checks Deposited
Minimum Opening Balance $100 $100 $100 $100
Monthly Service Fee $12 (first month waived) $18 (first month waived) $15 See terms and conditions
Minimum daily Balance to Avoid Monthly Service Charge $2,000 $5,000 $5,000  
Allowance of Checks Paid and Non-Plumas Bank Checks Deposited 150 ($0.20/item for activity in excess of allowance) 150 ($0.20/item for activity in excess of allowance) 50 ($10/item for activity in excess of allowance)  
Unlimited Deposits of Plumas Bank Checks Unlimited (including non-Plumas Bank checks)  
Check Images $2/statement $2/statement $2/statement $2/statement


Review disclosures for full product and service details:


Important Information About Opening a Legal Entity Account 

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes such as terrorism, money laundering, tax evasion, fraud, and other national security threats.

EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number (as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

We support all efforts to protect and maintain the security of our clients and our country. We appreciate your cooperation in assisting us to comply with this federal regulation.