Business Checking

Low monthly rates and options that make sense for your business.

Your business needs more than a simple checking account. Choose from three types of business checking accounts designed to help you manage your funds and keep your business running smoothly.

Call (918) 712-9292 or (405) 302-2000



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Find your closest branch

Small Business Checking


Ideal for the sole proprietor with limited needs.

  • First 300 items free, $.50 per item thereafter
  • Economy Internet banking available for $15 per month
  • No minimum balance required
  • Electronic, CD or paper statements available
  • Business Visa Debit/Credit Card available for $15/year
Call (918) 712-9292 or (405) 302-2000

Contact a SpiritBanker
Find your closest branch

Commercial Checking


A more robust service for the mid to large sized business.

  • Unlimited check writing
  • Electronic, CD or paper statements available
  • Business Visa Debit/Credit Card available for $15/year
  • No minimum balance required
  • Merchant Services and Cash Management services available
  • $10 monthly service charge
  • $.15 per transaction item – debit or credit (does not include electronic items)
  • $.10 per non-SpiritBank item within a deposit
  • Earnings credits will be applied to offset service charges
    Credit calculated on 90% of your monthly average collected balance and will be based on 90% of the 90-day T-bill rate on the first day of the month.
Call (918) 712-9292 or (405) 302-2000

Contact a SpiritBanker
Find your closest branch

Non-Profit Organization


Structured specifically for Non-Profits.

  • Free Business Visa Check/Debit Card
  • Unlimited check writing and check imaging available
  • Service charge based on monthly minimum balance
    • Balance $800 or above… no charge
    • $600 - $799… $2
    • $400 - $599… $3
    • $200 - $399… $4
    • Zero - $199… $5
Call (918) 712-9292 or (405) 302-2000

Contact a SpiritBanker
Find Your Closest Branch

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Mobile Banking - Now Available
Remote Deposit Capture. The Most Innovative Product Since the ATM. SpirtBank’s new service allows you to make your SpiritBank deposits from the convenience of your own office.
Learn More View Demo

Business Banking in Your PC

SpiritBank’s Cash Management. Inside your PC, you will find a full service branch ready to help you manage your business finances on-line anytime. Learn More
Make your business’ money work for you. With SpiritBank’s FDIC Insured Commercial Money Market accounts you can earn higher interest on your funds, but still have quick access to them without a penalty. Learn More