Business Banking with KCSB
Let your business journey begin and expand with KCSB. Whether you are just starting your business or looking to expand, we are here to make sure your journey is successful.
Click on any service below to read more:
BUSINESS CHECKING
Business Checking Account
• Minimum Opening Deposit – $100.00
• Available to all Business Types
• Account Earnings Credit Applied Toward Monthly Service Charges
• Unlimited Check Writing
• No Minimum Balance Required
• No Maintenance Fee with online banking & e-statements
• No cost Electronic Debits/Credits
• No cost Automatic Loan Payments
• Internet Banking
• Online Billpay
• FDIC Insured
Business NOW Account (Sole Proprietors & Nonprofit Organizations)
• Minimum Opening Deposit – $100.00
• Unlimited Check Writing
• No Minimum Balance Required
• No Maintenance Fee with online banking & e-statements
• No cost Electronic Debits/Credits
• No cost Automatic Loan Payments
• Internet Banking
• Online Billpay
• Earns Interest*
• FDIC Insured
• Monthly Service Charges Apply
Business IMMF – Money Market Account
• Minimum Balance to Avoid Service Charge – $1,000.00
• Market Based Variable Interest Rates*
• FDIC Insured
• Unlimited In-Person Withdrawals
• No Maintenance Fee with online banking & e-statements
*Interest Rates established periodically by Kalamazoo County State Bank
PAYROLL DIRECT DEPOSIT
- Automate payroll for more efficiency
- Securely send money electronically to employee accounts
- Other benefit of KCSB’s process
- Private, Safe, Proven, and Confidential
- Reduces opportunity for fraud and abuse
- Employees can deposit pay into accounts at multiple institutions
compatible with most current payroll software file uploads
BUSINESS SAVINGS
Statement Savings Account
• Minimum Opening Deposit – $10.00
• Minimum Balance to Avoid Service Charge – $200.00
• Market Based Variable Interest Rates*
• FDIC Insured
• Unlimited In-Person Withdrawals
• No Maintenance Fee with online banking & e-statements
*Interest Rates established periodically by Kalamazoo County State Bank
BUSINESS CDs
Certificates of Deposit
• Fixed Rates with terms from 32 days to 60 months
• Minimum Deposit 32 Days to 90 Days-$2,500.00
• Minimum Deposit 91 Days to 60 Months-$1,000.00
• FDIC Insured
• Competitive Interest Rates
• Substantial Penalty For Early Withdrawal
COMMERCIAL LOANS
We offer a variety of business loan products. Let Kalamazoo County State Bank lenders customize a loan that meets your business needs.
• Short Term Notes
• Lines of Credit/Multiple Advance Notes
• Simple Interest Installment Loans
• Real Estate Loans
• Equipment Loans
• Letters of Credit
• SBA Loans
At Kalamazoo County State Bank, your business is very important to us and we are here to grow with you and meet your changing banking needs. Call us anytime!

““Kalamazoo County State Bank has always taken very good care of us over the 20 years we’ve been here. We know that we can trust them with all of our personal and business banking needs. It’s great to work with people who know and care about you when you come in.“
Mike Oswalt
President, Ozland Enterprises, Inc.

ADDITIONAL BUSINESS SERVICES
These business services are tailored to meet the unique needs of your small business.
- Automatic Loan Payments
- Bank Bags
- Business Debit Cards
- Direct Deposit
- Internet Banking
- Merchant Credit Card Processing
- Night Deposit
- Official Checks & Money Orders
- Phone Transfers
- Safe Deposit Boxes (Schoolcraft and Mattawan locations)
- Wire Transfers
If you have any questions about these products, or want to open an account, please talk to one of our customer service representatives at any of our branch locations. We look forward to working with you.
Download The KCSB App
Online Banking
Online Banking: Secure, Convenient Access
KCSB Online Banking provides the flexibility and convenience for you to securely manage your money online.
KCSB Online Banking helps you:
- View balances & transactions
- Transfer between accounts
- Save time & money paying bills
KSCB Card Alerts
Help keep your KCSB account secure by signing up for alerts. To sign up or manage your alerts settings, click the button below.
Telephone Banking
CALL toll-free 1-866-527-2265
KCSBank by Phone is your 7-DAY / 24 HOUR banker. With KCSBank by phone you will have access to your account information.
Identity Theft
Protecting Your Good Name as Well as Your Money
Identity theft occurs when someone steals key pieces of personal information, which may include a name, address, date of birth, Social Security number, or mother’s maiden name, to gain access to a person’s financial accounts. Kalamazoo County State Bank wants you to be knowledgeable on how to protect your good name.
KCSB Credit Card
KCSB offers you a Visa® Platinum credit card with hometown convenience, worldwide acceptance and much more.
- Competitive Rates
- Reward points for travel and merchandise
- Fraud Monitoring and Zero Fraud Liability
- 24/7 customer service located in the U.S.
* This card is issued by TCM Bank, N.A. Subject to credit approval.
Mastercard Secure Code

“We were looking for a bank to work with on our business idea. KCSB did not choose to turn us away solely based on the fact we hadn’t run a business before. Instead, they took the time to sit down with us and go over our business plan. They listened to our vision and our hearts. We really felt like they were invested in us and our business idea and took the time to help our dream succeed. We appreciate Scott Hines and Scott Connelly always made themselves available to us. We never felt like we were jumping through hoops like you do when working with big corporations. They were always honest and helpful. We really felt like they were walking right alongside us through the entire process. We have referred our friends to KCSB, and will continue to point friends in similar situations their way. Who wouldn’t want such a great team helping them start their new business venture!“
Katie Boyes and Amanda DeMasoOwners Little Eagles Learning Center
Visit them: https://www.littleeagleslc.com/