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As your financial partner, Arizona Bank & Trust, a division of HTLF Bank works with your team to review your payables and receivables process to ensure your processes are streamlined, receivables transitions are expedited, expenses are effectively managed and information is easily accessible.

  • Checking

    As the financial tool your company uses most, your deposit and operating accounts should optimize your liquidity and allow your business to remain flexible. Whether you’re just kick-starting your business, or your business is more established, our commercial bankers can help you identify which checking and savings solutions will work best for you.

    Business Analysis Checking:

    Your business may be complex, but your banking doesn’t have to be. Simplify your business finances with a checking account that is equipped to handle high transaction volume and seamlessly integrates Treasury Management solutions to streamline your payables and receivables.

    Business Checking:

    With all the essentials you need to run your business, this affordable account offers the flexibility to optimize your cash flow.

    Commercial Interest:

    Maintain liquidity while earning interest on your checking account balance. This account is built to tackle high transaction volumes and the most complex banking needs.

    Commercial Checking:

    Earn interest on your checking account balance and take advantage of our suite of cash management services to streamline your daily operations. This account offers earnings credit to offset account related fees and service charges.



      Business Analysis Business Checking Commercial Interest Commercial Checking
    Which account is right for your business? Built for businesses with an operating need for multiple accounts and grouped account analysis. Ideal for growing businesses that need easy day-to-day financial management Designed to support large Commercial Organizations with high transaction volume and complex banking needs Developed for larger businesses with high transaction volumes and a need for treasury management solutions
    Access to treasury management solutions
    Earnings credit X X X
    Earn interest X X


  • Savings

    Grow and protect your assets with saving solutions that allow you to remain flexible while you achieve your goals. To nurture the growth of your business, our commercial bankers can help you determine which saving solution will best serve you.

    Business Savings:

    With a low minimum balance requirement, this savings account makes it easy to tuck away funds for those unexpected expenses.

    Business High-Yield Savings:

    Put your money to work with a savings account that pays more as your balance grows.

    Business Money Market:

    Looking for an account that offers a market-responsive rate, a low minimum balance requirement, and allows your funds to remain liquid? We’ve got you covered!

    Business Premium Money Market:

    Maintain liquidity while earning the highest interest on the highest balances with no monthly maintenance fee.



      Business Savings Business High-Yield Savings Business Money Market Business Premium Money Market
    Overview Earns interest on smaller balances Earn more on higher balances Maximize earning while keeping funds liquid The higher your balance, the better your return
    Ways to waive the monthly maintenance fee Maintain a minimum balance of $100 Maintain a minimum balance of $10,000 Maintain minimum daily balance of $1,000 or $1,500 average daily balance1 N/A
    Monthly Maintenance Fee $2 $10 $10 $0
    Minimum opening deposit $100 $10,000 $1,000 $25,000
    Allowable transfers/withdrawals per month 6 6 6 6


Increase efficiency and control in your payment processes with our robust treasury management payables solutions.


Give your working capital a boost through simplified billing and accelerated payment retrieval with our comprehensive receivable solutions.

Information Management

Easily manage cash flow and optimize working capital with access to account and deposit reconciliation, reporting, eStatements, and much more.

1The average balance is calculated by adding the current balance in the account for each day of the cycle month and dividing that figure by the number of days in the cycle month.