Business Accounts

Business Banking


Kirkwood Bank & Trust understands how important comprehensive products and services are to your business. We are committed to meeting the financial needs of our community. Our business banking team is ready to assist you with various types of products and services.

Basic Business Checking:

  • Minimum $100 deposit to open account
  • No minimum balance to maintain
  • FREE for 100 or fewer transactions per month
  • $3 maintenance charge will be assessed if over the 100 monthly transaction limit

Business Checking:

  • Minimum $100 deposit to open account
  • $5 per month maintenance charge
  • .10 charge for each debit and credit
  • .06 charge for each item deposited
  • You are given an earnings allowance to be credited toward service charges. The earnings allowance is calculated on the average collected balance using a 91-day T-Bill rate as of the first Thursday of the month

FREE Features with Basic Business and Business Checking Accounts:

  • Free Business Online Banking
  • Free E-statements/Check Imaging
  • Free Debit Card*
  • Free Notary Service

*With approved credit

Business Savings:

  • Minimum $100 deposit to open account
  • 6 withdrawals allowed per month at no charge
  • Service charge of $1 per withdrawal will be assessed for each withdrawal over monthly limit



  • Check Account Balances
  • View prior day and current day transactions
  • Transfer funds between accounts
  • Unlimited number of secure user sign-ons
  • Access to unlimited accounts with multiple tax IDs
  • Review images of checks online
  • Initiate stop payments online (stop payment fee applies)
  • Receive account alerts by email
  • Business Bill Pay

*Please contact one of our KB&T locations
to enroll in Business Online Banking.
Bismarck 701.258.6550 or Dickinson 701.483.1962.



  • This product allows a business to scan checks for deposit and submit as a secure file to the bank, thereby saving time and travel costs to make daily deposits. The cost for this service depends on the amount of items deposited and includes the equipment and software.