Pros
Free Account with No Strings: Silver Business Checking has zero monthly maintenance fees with no minimum balance requirements or transaction thresholds to maintain
Extensive Digital Tools: Account includes mobile check deposits, Zelle transfers, bill pay services, and fraud prevention tools with shared employee access capabilities
Welcome Bonus Available: New accounts qualify for substantial sign-up bonuses (Currently up to $900)
Cons
Restrictive Transaction Limits: Silver account caps at 125 free transactions monthly, with a $0.50 fee per additional transaction
Limited Cash Deposits: Free cash deposits are limited to $2,500 monthly (25 units), with each $100 counting as one unit and partial amounts rounded down
ACH Transfer Fees: Charges $1 for each outgoing domestic ACH transfer