Exciting news! On October 27, 2025, our holding company, FirstSun Capital Bancorp and First Foundation Inc. jointly announced that we have entered into a definitive merger agreement. Read the full announcement on the FirstSun Investor Relations website: https://ir.firstsuncb.com/news/news-details/2025/FirstSun-Capital-Bancorp-and-First-Foundation-Inc--Combining-in-All-Stock-Merger/default.aspx

Important Fraud Alert: We have received reports of fraudulent calls appearing to be from Sunflower Bank. If someone contacts you claiming to be from Sunflower Bank or First National 1870 and asks you to provide online banking login credentials or account information, do not follow their instructions and hang up because #BanksNeverAskThat. Do not provide any details or visit any websites at their request. Please call our Customer Care directly at 888.827.5564 if you have any concerns.

Business Checking Account Comparison

Easily compare accounts below to learn more about Sunflower Bank’s business checking options. All checking accounts come with access to one of our business online banking portals and mobile apps.

SF.Comparison.Table
Compare Our Accounts	Value Added Services CyberGuard Business Checking A business checking account with enhanced features and built-in fraud protections, tailored for small businesses with moderate transaction volume. Benefits Guide	Interest-Bearing CyberGuard Plus Business Checking An interest-bearing checking with higher level features and built-in fraud protections with elevated limits, tailored for small businesses with moderate transaction volume. Benefits Guide	Business Checking Advantage A checking account designed for businesses with frequent transaction activity that do not require advanced payment processing services.	Relationship Pricing Commercial Checking An analyzed checking account designed for businesses with high transaction activity and needs for advanced Treasury Management services.	For Non-Profits Civic Checking An interest-bearing checking account for the unique needs of not-for-profit organizations such as charities, school clubs, and fundraising organizations. Learn More
Minimum Balance Required to Open	CyberGuard Business Checking $100	CyberGuard Plus Business Checking $100	Business Checking Advantage $100	Commercial Checking $100	Civic Checking $100
Monthly Account Maintenance Changes	CyberGuard Business Checking $30 (Fee is waived with minimum average collected deposit relationship balance of $25,000)	CyberGuard Plus Business Checking $50.00 (Value pricing)	Business Checking Advantage $25.00 (Fee is waived with minimum average collected deposit relationship balance of $25,000)	Commercial Checking Relationship Pricing	Civic Checking None
Interest-Bearing	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Value Added Third-Party Services	CyberGuard Business Checking Built in Cyber Liability and Business Support Services	CyberGuard Plus Business Checking Built in Cyber Liability and Business Support Services	Business Checking Advantage	Commercial Checking	Civic Checking
Online & Mobile Banking Services	CyberGuard Business Checking Access to Business Banking Direct portal with no monthly fee; Includes Online Bill Pay and Mobile Check Deposit	CyberGuard Plus Business Checking Access to Business Banking Direct portal with no monthly fee; Includes Online Bill Pay and Mobile Check Deposit	Business Checking Advantage Access to Treasury Management Direct portal with no monthly fee; Includes Online Bill Pay and Mobile Check Deposit	Commercial Checking Access to Treasury Management Direct portal; Relationship pricing service fees apply	Civic Checking Access to Business Banking Direct portal with no monthly fee; Includes Online Bill Pay and Mobile Check Deposit
Transaction Per Item Fees	CyberGuard Business Checking First 200 debits and credits (includes deposited items) = Free; After 200 = $0.30 per item.	CyberGuard Plus Business Checking First 300 debits and credits (includes deposited items) = Free; After 300 = $0.50 per item.	Business Checking Advantage First 350 debits and credits (includes deposited items) = Free; After 350 = $0.50 per item.	Commercial Checking Relationship Pricing	Civic Checking Unlimited
Desktop Remote Deposit Capture (RDC)	CyberGuard Business Checking Not Available	CyberGuard Plus Business Checking Not Available	Business Checking Advantage Relationship Pricing	Commercial Checking Relationship Pricing	Civic Checking Not Available
ACH Services	CyberGuard Business Checking Not Available	CyberGuard Plus Business Checking Not Available	Business Checking Advantage Relationship Pricing	Commercial Checking Relationship Pricing	Civic Checking Not Available
Cyber Liability Program	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Up to $10,000 Ransom Payment Protection	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Debit Card Employee Misuse Protection	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Business Bill Negotiation	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Customized Estate Plan	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Free Tax Filing	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Buyer's Protection & Extended Warranty	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
Business ID Theft Aid	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking
MoneyPass® ATM Network	CyberGuard Business Checking	CyberGuard Plus Business Checking	Business Checking Advantage	Commercial Checking	Civic Checking

Business Checking Account Comparison

Compare Our Accounts

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage

Commercial Checking

Civic Checking

CyberGuard Business Checking

CyberGuard Plus Business Checking

Business Checking Advantage