Business checking overview
Compare Essentials, Premier, and Elite in one place with fees, limits, and best-fit notes.
Learn moreSky Elite Business Checking
Built for firms with meaningful wire volume, multi-user entitlements, and treasury structures that need documented cutoffs, returns handling, and coordinated coverage from day one.
- $0 monthly maintenance with qualifying combined operating and treasury relationship balances, per your Schedule of Fees.
- 500 combined transactions and $25,000 in monthly cash deposits at no charge, with published pricing above those allowances.
- Commercial Services Guide governs cutoffs, reversals, exception flows, and wire repair windows before you go live.
$0
Monthly maintenance fee1
With qualifying combined business operating and treasury relationship balances when program rules are met.
500
Monthly transactions at no charge2
(Additional combined transactions priced per your Schedule of Fees.)
$25,000
Cash deposits per month at no charge3
($0.0025 per dollar on amounts from $25,001+, per disclosures.)
Why Sky Elite Business Checking?
Throughput without folklore
Cutoffs, repair windows, and recall rights are written in the guide you countersign, including:
- Wire templates with dual release and documented repair timelines.1
- Returns and network case IDs tracked so treasury can reconcile exceptions without ad hoc calls.
- Named implementation coverage for parallel ERP or TMS testing before month one close.
Exception handling at scale
OFAC holds, repairs, and recalls follow published timelines with named treasury contacts for material amounts. Concentration alerts fire when counterparty or geography exposure exceeds thresholds you set with coverage officers.
Liquidity and resilience
Optional sweeps to Business Money Market or CDs require signed treasury instructions and separate product disclosures. Alternate processing and client communications align to enterprise continuity standards you document with coverage teams.
Ready to open your Sky Elite Business Checking account?
-
Tell us about you and your business
Share formation documents, beneficial owners, authorized signers, expected wire and ACH volumes, and concentration structures. We capture signer matrices, dual control templates, and treasury roles up front so limits match your governance from day one.
-
Align treasury and controls
Confirm wire templates, sweep exhibits, positive pay, and user entitlements match your policy appendix. Schedule parallel ERP or TMS testing windows with project managers from Sky and your finance team so month one files reconcile. Fund the account with the $100 minimum opening deposit (or more if agreed in your account package) before go-live.
-
Get started here.
Open now
Treasury tools built for volume.
-
Multi-user entitlements
Provision unique user IDs, dual approval, and role-based access across accounting, treasury, and executive teams without sharing credentials or bypassing release controls.
-
Treasury reporting
Schedule BAI2, CSV, and exception files for treasury workstations so monthly close and audit trails do not depend on separate requests.
-
Deposit and payment rails
Coordinate ACH batches, remote deposit, and positive pay within the exposure limits and cutoffs described in your Commercial Services Guide.
-
Wire and sweep management
Initiate wires with dual release, track repairs and recalls, and manage sweep targets using exhibits signed with your treasury team.
Fees and disclosure information
Transaction definitions, cash processing fees, wire cutoffs, and sweep exhibits are spelled out in your Schedule of Fees and Commercial Services Guide, so allowances and exception flows are clear before you fund.
Explore related products & offerings
Sky Premier Business Checking
Growing activity and reporting needs? Compare Premier allowances and relationship pricing before you move to Elite throughput.
Learn moreBusiness savings and money market
Pair operating cash with sweeps, money market, and CD tiers documented at account opening.
Learn moreBusiness term loans and lines
Coordinate lending with deposits under one relationship mandate when you are ready to finance growth.
Learn moreFrequently asked questions about Sky Elite business checking
How is Sky Elite different from Sky Premier Business Checking?
Elite adds higher combined transaction and cash deposit allowances, $0 monthly maintenance with qualifying combined operating and treasury balances, and Commercial Services Guide coverage for wires, returns, and sweeps. Premier fits growing firms before full treasury throughput.
Who should open Sky Elite Business Checking?
Firms with meaningful wire volume, multi-user treasury controls, and concentration monitoring needs benefit most. Your banker reviews activity, entitlements, and liquidity structures before enrollment.
What counts toward the 500 combined transactions?
Your Schedule of Fees defines total combined transactions for this product, including which checks, deposits, ACH items, and card activity count toward the monthly allowance and which services are billed separately.
Are sweeps and liquidity structures included?
Optional sweeps to Business Money Market or CDs require signed treasury instructions and may be subject to separate product disclosures. Targets and exhibits are documented during implementation, not after go-live.
How do I get started with Sky Elite?
Start with Private Client Service or your Sky treasury coverage team. You will review the Commercial Services Guide, entitlements, and testing windows before funding.