Business Checking

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Gulf Coast Bank | Business Checking

Business Checking

Designed for small to mid-size businesses with low balances and low transactions that want a full range of banking services.

  • Digital Business Banking1

  • Mobile Deposit1

  • Order Checks

  • Bill Pay, Stop Payments2

  • Internal and external funds transfer

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Gulf Coast Bank & Trust Business Rewards Checking

Business Rewards Checking

Earn rewards on everyday business purchases.3

  • Qualifying transactions earn points that can be redeemed for gift cards, merchandise, travel and more

  • Solution to everyday banking needs

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Gulf Coast Bank & Trust Commercial Checking

Commercial Checking

Designed for organizations with high transaction volume and advanced banking needs.

  • Designed for businesses with high balances and heavy transaction activity

  • Earnings credit may be used to offset monthly service fees

  • No charge for Digital Business Banking1

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Business checking for specific needs

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Business Plus Checking

Ideal for businesses with heavy transaction activity and use an armored car service.5 

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Commercial Checking with Interest

Ideal for commercial clients with large balances and minimal transactions who want to earn interest.4

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Smart Safe Checking

Provides customers with a fast and secure way to deposit funds. Ideal for businesses using armored car onsite vault services.6

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Nonprofit Checking

Designed for nonprofit organizations such as charities, school clubs, and nonprofit groups. 
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IOLTA/IOTA Checking

Interest On Lawyer’s Trust Accounts Checking is designed for attorneys and law firms as a holding account for their clients.7
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Why choose Gulf Coast Bank business checking

Treasury management services
Access tools that help you manage cash flow, payments, and account activity more efficiently.
Digital banking for businesses
Move money, monitor transactions, and control your accounts anytime with secure online and mobile access.
Flexible payment options
Send and receive payments through ACH, wire transfers, remote deposit capture, and more.
Local expertise and support
Work with bankers who understand your business and your market. 
Personal Loans

Compare business checking accounts

Review key features side-by-side to find the right account for your operations. 
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Business Checking Business Rewards Checking Commercial Checking
Purpose
What the account is designed for
 Everyday business banking Earn rewards on spending High-volume operations
Interest or Rewards
How the account provides value
 No interest or rewards Rewards on eligible purchases May earn interest (if applicable)
Transaction Volume
Typical number of monthly transactions
 Moderate activity Moderate activity High transaction volume
Treasury Services Available
Access to advanced cash-management tools
 Limited options Limited options Fully treasury services
Digital Banking Access
Online and mobile account management
Minimum Balance Requirement
Balance needed to open or maintain
 Low to moderate Moderate balance Higher balance required

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Choose what you'd like to do and we'll take you there.

1Digital Business Banking, Digital Corporate Banking, and Mobile Deposit: Gulf Coast Bank & Trust Company ("GCBT") does not charge a fee for using Digital Business Banking, Digital Corporate Banking, or Mobile Deposit. Mobile Deposit is available through the Gulf Coast Bank Digital App. Message and data charges from your provider may apply.

2Business Checking: Bill Pay and Stop Payment available within Digital Business Banking.

3Business Rewards Checking: See uChoose Rewards Program Terms and Conditions for qualifying transactions.

4Commercial Checking with Interest: The Annual Percentage Yield (APY) and interest rates vary based on whether qualifications are met. The interest rate may change at any time. When the two qualifications stated in the Commercial Interest Checking Disclosure are met, as an added benefit, you'll earn a higher interest yield.

5Business Plus: Business entity must have a contract with an armored car service for an onsite vault service to transport deposit and withdrawal activity to and from the business and GCBT.

6Smart Safe: Business entity must have a Smart Safe contract with an armored car service for an onsite vault service.

7IOLTA/IOTA: Operating account required. GCBT is an eligible participant in the Louisiana State Bar Association's Interest on Lawyer's Trust Accounts Program, and is a participating institution in Funding Florida Legal Aid's Interest on Trust Account Program.

Paper Statement Fee: All Checking Accounts must enroll in eStatements to avoid the monthly paper statement fee of $4.85.

Additional Information: The contents of the page are informational only. To qualify for a deposit account at GCBT additional requirements must be met. All accounts are subject to approval. Additional fees (See Fee Disclosure) and restrictions may apply. The terms of all accounts are subject to change, including fees, rates, or features. Contact your local banker for current rate information and additional details.

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