Relationship Banking on Your Time
Business banking should fit your schedule — not complicate it. With Western Alliance Bank, you can choose to open business checking, savings accounts and money market accounts online, whenever it works for you. You’ll also have ready access to Western Alliance Bank’s trademark white-glove service and personalized account services to help you achieve your business goals.
Business Banking from Anywhere
Open in Minutes
Complete account opening online at your convenience
Multiple Accounts
Open one account or several to suit your business needs
Flexible Fees
Fee structure based on your business activity, with options for credits
Secure
Safeguard your transactions with Western Alliance Bank’s leading-edge technology and protocols
Whether you have a high volume of transactions, want to earn interest or need special services, we offer financial solutions and expertise to help you build your business.
Business Checking1
Choose this basic checking account if your business has low-to-moderate quantities of monthly transactions. You’ll benefit from a spectrum of helpful tools to support your day-to-day cash management.
Features & Benefits2
- 200 items allowed during the statement cycle — includes debits, credits and deposited items3
- Monthly service charge of $16 can be waived with a minimum daily balance of $2,500
- Online banking4, bill pay and eStatements available
- Optional additional account services such as overdraft protection5, online and mobile banking and more
- Get started with a $100 opening deposit
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Business Interest Checking1
Our Business Interest checking account is right for you if you’d like all the benefits and features of Business Checking along with the option to earn interest on your balance.
Features & Benefits
- 200 items allowed during the statement cycle — includes debits, credits and deposited items3
- Monthly service fee can be waived by maintaining a minimum daily balance of $5,000; also waived for 501(c)(3) organizations
- Online banking, bill pay and eStatements available
- Optional additional account services such as overdraft protection4, online and mobile banking, and more
- Get started with a $100 opening deposit
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Business Advantage Checking1
Choose Business Advantage checking if your business transacts up to 500 items per month and requires more sophisticated services. This bundled solution provides a primary account and up to three additional linked Business Advantage accounts.
Features & Benefits
- 500 items per statement cycle — includes debits, credits and deposited items
- Customized solutions for accounts payables and receivables
- Monthly service fee waived when average collected monthly balance between all accounts meets or exceeds $50,000
- No fee for first $10,000 monthly cash deposited; Additional fees may apply for cash deposited in excess of $10,000
- Online banking4 with bill pay and eStatements are available
- Additional services may be added to accommodate business needs:
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Analyzed Business Checking1
For more complex businesses or those with higher levels of activity, Analyzed Business Checking helps you monitor the services you receive from us so that you can reduce or eliminate monthly fees and make the most of your cash balance.
Features & Benefits
- Integrated Treasury Management Services without transaction volume limitations
- Optimal monitoring of transactions and cash flow to evaluate the cost of effectiveness of transaction activities
- Provides consolidated reporting of balances and activity
- Competitive earnings credits may offset many fees to reduce or eliminate service charges
- Optional account services include overdraft protection5, online and mobile banking and more
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Hybrid Business Checking1
Hybrid Business Checking accounts are available for our commercial customers and combine the benefits of an Analyzed Business Checking account with the features of an interest-bearing savings account in one.
Features & Benefits2
- Receive an earnings credit allowance calculated on the investable balance7 in the account and earn interest on excess balance once balances offset service charges
- Combine multiple Hybrid Business Checking accounts for billing purposes8
- Take advantage of our full suite of Treasury Management Services
- Online banking4, bill pay and eStatements available
- Optional additional account services such as overdraft protection5, online and mobile banking and more
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Business Money Market6
With our Business Money Market account, your money works as hard for your business as you do. You’ll enjoy earned interest, access to online banking with check-writing capabilities and more.
Features & Benefits
- Competitive interest rates
- Tiered interest account
- Up to 25 items deposited per month; fee for items deposited in excess of 25
- Requires $1,000 opening deposit
- Withdrawal transaction limitations apply
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Relationship Business Money Market6
The Relationship Business Money Market is an account designed to provide higher Relationship Rates when you have additional business accounts opened with Western Alliance Bank.
Features & Benefits
- Make unlimited deposits
- Earn tiered interest, according to the balances kept within the account
How it Works
- To qualify for the Relationship Business Money Market9; similar ownership must be listed on related accounts and hold an aggregate balance of $50,000. Qualifying related account types include: Business Checking, Analyzed Business Checking, Business Money Market, Business Savings, or Business CDs
- To qualify for the Relationship Business Money Market with balances under $50,000, New Money of $10,000 is required
- New Money requirement and Account Relationship requirement is waived for Relationship Business Money Market accounts with a balance of $1,000,000 or more
- Interest Rate Tier is determined by aggregate balance of all related accounts held in similar ownership
- Interest Earned is determined by balance held in the Relationship Business Money Market Account
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Business Savings6
Put your money to work for your business. Our standard Business Savings account makes it easier to save and easier to benefit from those savings.
Features & Benefits
- Competitive interest rates
- Up to 25 deposits monthly
- $1,000 minimum opening balance required
- Monthly service fee of $10 waived with a minimum daily balance of $1,000
Click "Open Now" to begin your application. You will be directed to a secure account opening page hosted by Western Alliance Bank.
Getting Started is Simple
Quick
Open your account online in ten minutes or less
Easy
Apply at any time with a computer or mobile device
Safe
Fund your new account by linking your existing checking account
Frequently Asked Questions
The online account opening process typically takes about 10 minutes to complete.
You’ll need some information about your business and yourself (or the authorized business contact opening the account):
- Legal names and contact information
- Individual and business addresses
- Driver’s license or passport information
- Current articles or certificates of incorporation, with proof of filing with your state/county
- Business name filing document if you do business using a DBA (doing business as), fictitious name, trade name or assumed name. The document must show your business name and be current and in good standing.
- We may ask for business documentation, such as records about your business’s legal structure.
Individuals authorized to conduct business transactions may be able to apply online for a business account. These may include:
- Authorized Signer (individual(s) who can make account transactions, including depositing and withdrawing funds)
- Beneficial Owner (a person(s) with a direct or indirect controlling interest in the business)
- Authorized Officer (a person with a significant responsibility for managing the business who is authorized to sign resolutions, certifications, and other agreements on behalf of the business)
To apply online for an account, all of the individuals (owners, authorized signers and authorized officers) listed on your application must be the same on all the accounts you apply for. If your needs are more complex, please get in touch with your relationship manager or contact us online.
You can fund the account via a check deposit by mail or using our mobile app. You can also make a deposit in one of our banking offices or via wire transfer.
Your new business deposit account(s) must be funded with the minimum opening deposit within 25 calendar days. Accounts that remain unfunded for 30 calendar days will be closed.
In most cases, you will receive a response to your account application within a few minutes. In some cases, we may need more information. In that case, business banker will reach out to assist you.
As part of the application process, you’ll have an opportunity to customize your account, including requesting debit card(s) or checks. Your business banker will reach out to assist with these requests.
Our small business contact center can walk you through deciding what account is right for you, or put you in touch with a business banker. You can reach our contact center at (888) 995-2265 or email [email protected].
Ready to Get Started?
Open an account in minutes. It’s safe and easy to apply online.
Open Now1. Refer to the disclosures provided at account opening, the Business Schedule of Fees and Pro Forma for additional information.
2. Other related fees may apply. Refer to the disclosures provided at account opening and the Schedule of Fees and Charges for additional information.
3. Additional fees apply for each item over 200 items per statement.
4. Fees may be imposed for additional services related to online banking. Refer to Business Online Banking Setup and Authorization for more information. Enrollment in eStatements, Positive Pay or Bill Pay require additional terms and conditions.
5. Restrictions and fees may apply. Refer to your account agreements and disclosures provided at account opening and the Schedule of Fees and Charges for additional information.
6. Withdrawal transaction limits apply. refer to disclosures provided at account opening and the Schedule of Fees and Charges for additional information.
7. Investable balance is calculated by subtracting the average float and negative collected balances on your deposits from your average ledger balance.
8. All accounts must be linked to primary account for billing. Common ownership of linked accounts is required.
9. To access the benefits of the Relationship Money Market, you must have a Western Alliance Bank account. Relationship Money Market is evaluated to ensure that requirements are met on the last day of the month prior to paying interest. Please see account opening disclosures or ask your Western Alliance Relationship Manager for addition information and current interest rates.