Important Information: We will be closed Monday, May 25, in observance of Memorial Day. We will reopen on Tuesday, May 26.

Epic Business Checking

What can Epic Business Checking do for you?

Take your business checking to the next level with a checking account suite that is designed to fit your lifestyle. Packed with features, Epic Business Checking will provide you with the peace of mind of a robust identity theft protection and recovery package as well as the power to save you money right at your fingertips!

Call us at (805) 988-2151 or visit a branch today to get started for only $15/month (+90 monthly value)!

Business Epic Checking Rates

TierMin. DepositTermStated RateAnnual Percentage Yield
Tier 1$0Avg. Daily0.030%0.030%
Tier 2$25,000Avg. Daily0.250%0.250%
Tier 3$100,000Avg. Daily2.472%2.500%
Tier 4$250,000Avg. Daily2.960%3.000%

Business Account Documentation Checklist

To open a business account, all owners, managers, officers, or authorized signers must be present. The following information is required and must be imaged prior to request for account review and approval through Compliance.

Business / Owner Required Information  
  • Verification of business‑in‑good standing from Secretary of State (Corporation, Limited Liability Company, Limited Partnership).
  • Provide the tax identification number (TIN/EIN) the business uses for reporting to the IRS.
  • Provide valid, unexpired, government‑issued photo identification for each owner, managing officer, or authorized signer
  • Business License or Business Tax Certificate
  • Business activity questionnaire with actual amounts (cannot have varies or 0)

Additional Requirements by Business Type

Sole Proprietors
  • Current Business License
  • Fictitious Business Name Statement (if operating DBA)
Corporations  
  • Filed copy of Articles of Incorporation
  • Copy of Corporate Minutes or Corporate Resolution identifying:
    • the account is to be opened
    • corporate officers
    • signers to be on the account
  • Certified copy of Fictitious Business Name Statement (if operating DBA)
  • Certification of Beneficial Owners – Appendix A
Limited Liability Companies  
  • Filed copy of Operating Agreement
  • Copy of Articles of Organization or copy of Statement of Information
  • Documentation from organization authorizing:
    • the account is to be opened
    • managers
    • signers to be on the account
  • Certification of Beneficial Owners – Appendix A
Limited Partnerships  
  • Copy of Certification of Limited Partnership
  • Copy of Statement of Information
  • Documentation from organization authorizing:
    • the account is to be opened
    • general partner
    • signers to be on the account
General Partnerships  
  • Copy of Partnership Agreement
  • Fictitious Business Name Statement (if operating DBA)
  • Current Business License
  • Documentation from organization authorizing:
    • the account is to be opened
    • partners
    • signers to be on the account
  • Certification of Beneficial Owners – Appendix
Unincorporated Associations  
  • Copy of Articles of Association
  • Charter documentation
  • Documentation from organization authorizing:
    • the account is to be opened
    • officers
    • signers to be on the account
  • Letter of Authorization by regional/national office (if using the regional/national EIN)
Incorporated Non‑profits
  • Filed copy of Articles of Incorporation
  • By‑laws
  • Copy of Corporate Minutes or Corporate Resolution identifying:
    • the account is to be opened
    • corporate officers
    • signers to be on the account
  • Certified copy of Fictitious Business Name Statement (if operating DBA)
  • Certification of Beneficial Owners – Appendix A
  • Certification of Beneficial Owners – Appendi A
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