Accounts That Fit Your Business
Whether you are a fashion designer or a brain surgeon, a one man hot dog stand or a corporation with hundreds of employees, we have account options to fit businesses of every size.
Business Checking Accounts
| NAME/TYPE | REQUIRED DEPOSIT OPENING | ACCOUNT FEE | DEBIT CARD | INTEREST |
| Small Business Checking | $50 | See below | Available - see below | None |
| Business Checking | $100 | See below | Available | None |
| Business NOW | $1,000 | See below | Available | Variable Rate |
Small Business Checking Account
For businesses that write a minimal number of checks per month, this is an account that is simple and straightforward.
$5.00 monthly maintenance fee if more than 20 debit transactions per statement cycle.
$.25 for every debit transaction over 50 per statement cycle.
$.15 for each deposited item over 50 per statement cycle.
Business Checking Account
For businesses that have outgrown the Small Business Checking account, this account offers all the features that business owners would come to expect, plus the added ability to earn a credit back to the account to reduce or even eliminate monthly fees.
$10.00 monthly maintenance fee.
$.20 for each debit transaction.
$.10 for each paper deposit ticket.
$.10 for each deposited paper item.
$.10 for each ACH deposit.
Account receives a credit of $.25 per $1,000.00 average monthly collected balance per statement cycle.
Business NOW Account
For non-profit businesses and Sole Proprietor only.
$8.00 monthly maintenance fee if the daily balance drops below $1,000.00 any day of the statement cycle.
$.10 for each deposited item.
Prime Time Money Market Account
Once a business grows enough to have some extra cash flow, the Prime Time account is a great way to earn interest while keeping funds easily accessible.
$8.00 monthly maintenance fee if the daily balance drops below $2,500.00 any day of the month.
$5.00 per debit transaction over 6 per month.
Choose Sentry Bank for Your Business
All of our checking accounts include free online access, free mobile banking, and a debit card with access to over 50 fee-free ATMs in the St. Cloud area through the MoneyPass Network. Treasury Management Services available upon approval. Free check images with eStatements. Optional $2.00 fee for paper check images.
Meet Our Business Bankers
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Ryan Holthaus
Ryan has been with Sentry Bank for the last 8+ years, bringing over 20 years of business experience to his work with both new and established business customers. Ryan serves as the Senior Vice President/Senior Lender and is an active member of the Cold Spring community, St. James Catholic Church, Sertoma, as well as a Graduate of the University of Wisconsin Graduate School of Banking. Ryan also coaches baseball while being the President of the CSAYSA. See Ryan for any of your commercial banking needs.
NMLS #1469570
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Kevin Fitzpatrick
Kevin has been with Sentry Bank since 2018, bringing over 20 years of banking experience, including 8+ years of lending experience. Kevin’s current role is Vice President within the Commercial Lending division. He has a BS in Business Management and an MBA in Business Administration. Kevin plays an active role in the community through his involvement with organizations like Big Brothers Big Sisters of Central MN and the Sartell Chamber of Commerce. Outside of work, Kevin enjoys spending time with his two daughters and participating in outdoor activities.
NMLS #1514570
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Ryan Davidson
Ryan is a Vice President Commercial Loan Officer with Sentry Bank. Prior to joining Sentry Bank, Ryan spent 19 years in banking gaining the knowledge and experience to help clients realize their financial dreams. He received his undergraduate degree in Business Management, Finance, and Marketing from Southwest Minnesota State University. Ryan’s success is built on a foundation of hard work, integrity, and unbeatable customer service. His goal is to build lifelong relationships with his clients and to have a positive impact on the communities in which he proudly works. With many years of service and the right tools at his disposal, he is confident he can find the solution to make your dreams a reality. Outside work, Ryan enjoys spending time with his wife and two wonderful children. He enjoys watching them grow each day as they learn the life skills that will carry them for many years to come.
NMLS #578081
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Patrick Baumgard
Patrick is a Commercial Loan Officer with Sentry Bank and brings over 25 years of community banking experience. He has a BS Degree in Economics from Minnesota State University, Mankato and attended the Graduate School of Banking at the University of Wisconsin, Madison. He is certified in both Compliance and Security, achieving CCBCO and CCBSO designations through the ICBA. Patrick is active in both the St. Joseph and St. Cloud communities and is a board member of the Wright County EDP.
NMLS #794600
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Matt Nelson
Matt Nelson is a Business Banking Relationship Manager at Sentry Bank serving the Twin Cities Market. Prior to joining Sentry, Matt spent 12 years at US Bank gaining diverse experience in Retail Consumer Banking, Community Banking, Middle Market and Business Banking. He received his undergraduate degree in Economics and Management Studies from St Olaf College. After spending 4 years in Ames, IA where Matt’s wife, Jessica, attended Veterinary School, he and his family moved back to MN. He and his wife and their 3 kids live in the Maple Grove area. Matt works with the MN Chapter of Juvenile Diabetes Research Foundation to execute the JDRF Walk for a Cure each year.
NMLS #570852