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Commercial Analysis Accounts
IronStone Bank's Commercial Analysis aggregates your deposit accounts into a single relationship, all facets of which work together for your benefit. Our Commercial Analysis portfolio includes five types of accounts designed for businesses with higher activity levels, or the need to manage cash more effectively. The foundation of these accounts is simple: Based on balances maintained across multiple accounts, you receive an earnings credit which can offset a portion or all service charges that accrue for each statement period. Commercial Analysis also enhances your ability to keep track of the funding activities surrounding various parts of your business, like payroll, savings, daily operations and risk management.
The following are the four types of analysis accounts:
  • Regular Checking
    • Regular checking is the way to go for many businesses with a moderate to high number of transactions
    • A noninterest-bearing account with only a $100 minimum deposit required to open
  • Checking With Interest
    • The perfect account for sole proprietors and nonprofit organizations that want to earn interest on their funds and have a moderate to high number of transactions each month
    • An interest-bearing account with only a $100 minimum deposit required when opening the account
    • Interest is paid on daily collected funds less 10% reserve requirement, compounded daily and credited monthly
  • Money Market Checking
    • Provides the attractive earnings of a money market account with the unlimited check-writing privileges of a regular checking account for sole proprietors and nonprofit organizations.
    • On a daily collected balance of $1,000 or more, interest is paid at money market rates of interest
    • If the daily collected balance falls below $1,000, the interest rate changes to the Checking With Interest account rate
  • Money Market Savings
    • A business savings account paying a higher tiered interest rate, tiers based on daily collected balance
    • This account offers limited check-writing privileges, but unlimited withdrawals in person or at any ATM
  • Public Money Market Checking
    • Available only to public institutions
    • Unlimited check writing
    • Interest is paid on the daily collected balance, and the interest rate is indexed to the federal funds market
Get Started
Call us toll-free at
1.866.IB DIRECT
(1.866.423.4732), or...
For more information or to open an account, stop by your local branch or call us at
1-866-IB DIRECT (1-866-423-4732).
You may also e-mail us.
All checking accounts are subject to Bank approval.