Sky Premier Business Checking

Relationship pricing, richer reporting exports, and higher activity allowances for firms that have outgrown Essentials, without jumping straight to full treasury throughput.

  • $25 monthly maintenance with waiver paths tied to combined relationship balances, documented before you fund.
  • 225 combined transactions and $10,000 in monthly cash deposits at no charge, per your Schedule of Fees.
  • Dual control templates, positive pay, and file exports aligned at onboarding, not after your first ERP close.
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$25

Monthly maintenance fee1

Waived with $5,000 average relationship ledger balance when program rules are met.

225

Monthly transactions at no charge2

(Additional combined transactions priced per your Schedule of Fees.)

$10,000

Cash deposits per month at no charge3

($0.0031 per dollar on amounts from $10,001+, per disclosures.)

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Why Sky Premier Business Checking?

Relationship pricing that scales

Maintenance waivers can reference combined balances across eligible Sky deposit and credit relationships when your program allows:

  • $5,000 average relationship ledger balance path documented in your Schedule of Fees.1
  • Annual coverage reviews for limits, fraud rules, and pricing bands, so renewals are scheduled, not reactive.
  • Private Client Service queues prioritize Sky Premier Business incidents when escalation is required.

Reporting built for treasury teams

BAI2 and CSV export cadence is described during onboarding so your ERP close does not depend on ad hoc file requests. Positive pay alignment and dual control templates are stored with the account record from day one.

Controls for growing teams

Issue personalized business debit cards with limits for each card that match your policy appendix. Treasury specialists join scheduled calls when sweeps, concentrations, or wire repair windows change.

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Ready to open your Sky Premier Business Checking account?

  1. Tell us about you and your business

    Provide formation documents, tax identification, beneficial owners, authorized signers, and expected activity volumes. We capture signer matrices and treasury roles up front so limits and dual control templates match your governance.

    Review the forms and document checklist

  2. Fund and configure services

    Fund your account with the $100 minimum opening deposit (or more if agreed in your account package), then confirm reporting exports, positive pay, and card issuance align with your policy appendix before you schedule payroll or wires.

  3. Get started here.

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Operate with confidence. Stay in control.

  • User permissions

    Provision unique user IDs, dual approval, and role-based access so accounting, treasury, and owners each see what they need without sharing credentials.

  • Reporting exports

    Schedule BAI2 and CSV files for treasury workstations so monthly close does not depend on separate file requests.

  • Card controls

    Set limits for each card, merchant categories, and alerts so field spend stays within the policy you document at enrollment.

  • Treasury workflows

    Coordinate ACH batches, wires, and positive pay within the exposure limits and cutoffs described in your agreement.

Fees and disclosure information

Maintenance waivers, transaction definitions, and cash processing fees are spelled out in your Schedule of Fees and disclosures hub, so relationship pricing and allowances are clear before you fund.

Learn more about related fees and disclosures

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Frequently asked questions about Sky Premier business checking

How is Sky Premier different from Sky Essentials Business Checking?

Premier adds higher combined transaction and cash deposit allowances, relationship-based maintenance waivers, and reporting exports suited to growing firms. Essentials remains the entry tier with $0 monthly maintenance for qualifying programs.

How do I qualify for the monthly maintenance waiver?

Your Schedule of Fees describes waiver paths, including maintaining a $5,000 average relationship ledger balance across eligible Sky relationships when program rules are met. Your banker confirms which balances count before you fund.

What counts toward the 225 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.

Can I upgrade from Essentials to Premier?

Yes. When balances and activity meet published thresholds, contact Private Client Service or your Sky business banker to review an upgrade without reopening your entire file.

When should I consider Sky Elite Business Checking?

Elite is designed for higher wire volume, sweeps, and multi-user treasury controls. If your team needs documented treasury throughput beyond Premier allowances, compare Sky Elite Business Checking.