Small Business Bank is a U.S.-based, FDIC-insured online bank headquartered in Lenexa, Kansas. Established in 1984 (formerly known as Gardner Bank), it specializes in serving micro and small businesses across all 50 states, offering a fully digital banking experience with personalized customer support.
Small Business Bank offers free business checking accounts designed for various business structures: -
- Sole Proprietor Account: For 1099 contractors and independent workers
- MicroBusiness Account: For single-owner entities
- Small Business Account: For entities with multiple owners
Features include:
- No monthly maintenance fees or minimum balance requirements
- Unlimited transactions
- Online application process with no need to visit a branch
- Secure mobile banking and check deposit
- MasterCard MicroPayment debit card included
- Minimum initial deposit of $200 (via debit, credit, or ACH)
The bank's high-yield savings accounts offer:
- Balance-based interest rate tiers
- No monthly maintenance fees
- FDIC insurance coverage up to $250,000
- Mobile check deposit
- Quick and easy online sign-up
Small Business Bank provides MasterCard MicroPayment debit cards that allow for secure and convenient payment transactions wherever MasterCard is accepted. These cards are designed to help manage ongoing disbursements and cash flow effectively.
Your Small Business Bank verification code is: 630348