Commercial Checking

The best business bank account for you.

Get the personal attention your business deserves. Whether you’re just starting up or your company is generations old, we offer flexible, scalable business checking and savings solutions that will grow along with you.

No matter which account you choose, you’ll experience the Deep Roots ~ Strong Branches difference —financial solutions personalized to your needs, convenient online and mobile banking tools, a dedicated banker who answers when you call, and first-class service.


Designed for businesses who have low to moderate transactions each month.


Designed for businesses with moderate transaction needs.


Designed for businesses with moderate to high transaction needs.


Designed for businesses with moderate transaction needs and the desire to earn interest on the balances they carry.

Minimum Opening Balance $500 $500 $500 $500
Monthly Service Charges $01 $15 $20 $15
Monthly Service Charges Waived if
   Combined average daily balance –or– $25,000
   Minimum daily balance $5,000 $10,000 $5,000
Debits per Statement Cycle 252 1002 2003 1002
Deposited items per Statement Cycle 1002 2002 3003 2002
Currency Deposits/Furnishes per month Up to $5,0002 Up to $10,0002 Up to $20,0003 Up to $10,0002
Free Online Banking & Bill Pay
Overdraft Privilege
Interest Bearing
Minimum balance to earn interest N/A N/A N/A $5,000


Designed for the larger businesses with high transaction volume.

It is ideally suited for businesses that prefer a comprehensive business-checking program because it enables the business to reduce monthly service fees with offsetting deposit balances. The more business you do with Oak Valley & Eastern Sierra, the greater the benefits you will receive from Account Analysis.

Account Analysis combines the total cost of all of the services your business uses and offsets them with your earnings credit accrued during the statement cycle. Everything is calculated for your business by the Bank and at the end of the statement cycle your earnings credit goes toward payment of the accumulated fees. If there is still a service charge due on your account after the earnings credit has been applied it will be charged to your account.

  • Unlimited transactions
  • $500 minimum opening balance required
  • May use applicable account balances to offset fees
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