Business banking

Banking for the chalkboard-sign economy

Delis, salons, contractors, three-person studios — Greater Boston runs on businesses too small for a big bank to notice. We've lent them $96M and counting, decided by people who've eaten at your counter.

Talk to a business banker See accounts & rates

Two smiling deli owners in aprons standing proudly in front of their shop's chalkboard price signs

Main Street accounts

Main Street Checking

$0/mo

Up to 250 free transactions a month, then 25¢ each. No minimum balance.

Best for: Sole proprietors, side businesses, and most small shops.

Main Street Checking Plus

$12/mo

Waived with a $5,000 average balance. 500 free transactions, 0.25% APY, two free wires a month.

Best for: Busier storefronts and businesses that hold a working cushion.

Business High-Yield Savings

$0/mo

2.85% APY on reserves — tax set-asides, payroll cushion, the new-oven fund.

Best for: Every business with money it will need later, not now.

Illustrative figures as of July 2026. Cash deposits free up to $10,000/month, then 0.2%.

Working capital, priced on the sheet

Same philosophy as our consumer lending: published rates, local decisions, and a banker who will tell you when not to borrow. Bring two years of returns or a solid first-year plan — we've backed both.

Business lending (illustrative, as of July 2026)
Product	Pricing	Worth knowing
Business line of credit	from 8.25% APR	Draw what you need, pay interest only on what's out. Lines from $10k to $250k.
Equipment & vehicle loans	from 6.75% APR	Ovens, lifts, vans — terms matched to the useful life of the thing.
Commercial real estate	custom pricing	Owner-occupied storefronts and small mixed-use buildings across Greater Boston.

Rates assume established credit; startups typically land 1–2 points higher with a personal guarantee. No unused-line fees on lines of credit under $100k.

A boutique owner in a denim apron waving hello to a customer walking through the shop door — Storefront Starter winners get $1,000 and a year of fee-free banking — members vote at the annual meeting.

A banker, not a call tree

A named human

Every business account gets an assigned banker at the Roslindale or Waltham desk. Same person, direct line, knows your seasonality.

Next-day answers

Lines under $50k get a yes, a no, or a "here's what's missing" within two business days. Nobody strings you along for six weeks.

3% back at your shop

Member-owned local businesses join our Community Cash 3% network free — 38,000 members get a reason to walk through your door.

Book a business-banking chat