Business banking
Business Banking Monthly Cost Calculator
Add up what your current bank actually charges — then compare it against accounts built for lower fees.
Interactive tool
Business Banking Monthly Cost Calculator
Estimate your total monthly bank fees based on actual usage — wire transfers, ACH, cash deposits, sub-accounts, and maintenance.
Fixed monthly fees
Wire transfers (per month)
ACH & cash deposits (per month)
High — consider a flat-fee or fintech account
- Monthly maintenance
- $25.00
- Incoming wires
- $30.00
- Outgoing wires
- $75.00
- ACH transactions
- $5.00
- Cash deposit fees
- $12.50
- Sub-account fees
- $10.00
- Total monthly banking cost
- $157.50
- Annualized (×12)
- $1,890.00
Frequently asked
Which fees actually add up the fastest for a small business?
Wire fees and cash-deposit fees are usually the biggest surprises — a business sending a few wires a week or depositing cash regularly can rack up more in fees than the monthly maintenance charge itself. ACH fees are usually small individually but add up at high transaction volume. Add up a real month, not a light one, to see your actual number.
How do I know if a monthly maintenance fee can be waived?
Most business checking accounts waive the monthly fee if you maintain a minimum balance, hit a monthly transaction count, or hold a linked business relationship (like a credit card or line of credit) with the same bank. The waiver terms vary by bank and tier — always confirm the current requirement directly with the provider before assuming a fee is avoidable.
Is a lower monthly total always the better account?
Not necessarily. A fintech or online-only account can look cheaper on fees but may lack in-person cash handling, a large ATM network, or the treasury/cash-management tools a growing business needs. Compare the total monthly cost alongside what the account can actually do for how your business banks.