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Small Business Checking

Woodforest Checking Accounts

Checking accounts designed with your business needs in mind.

Business Simple Checking*

Simply put, this business checking account is designed for businesses and organizations with lower monthly transaction volumes.

KEY BENEFIT

  • No charge for up to 250 items per month and no monthly fee with a Minimum Daily Balance of $5,000 or above
Learn More

Second Chance Business Checking*

This account is designed to offer a "Second Chance" to business customers who have experienced previous bank account challenges.

KEY BENEFIT

  • No charge for up to 250 items per month while providing the opportunity to rebuild banking history
Learn More

Advantage Business Checking*

As a business customer, consider the benefits of our Advantage Business Checking account which offers up to 500 items per month at no charge.

KEY BENEFIT

  • No charge for up to 500 items per month and no monthly fee with a Minimum Daily Balance of $10,000 or above
Learn More

Business Checking*(1)

For companies with higher balances and activity, this unlimited transaction account is analyzed monthly and features an earnings credit allowance on your balance to help offset service charges.

KEY BENEFIT

  • Unlimited transaction account with an added earnings credit allowance
Learn More

Business Plus Checking*

Enjoy unlimited check writing and earn interest all in one account. Business Plus Checking is only available to sole proprietorships, non-profit organizations, and government entities.

KEY BENEFIT

  • Unlimited check writing account that earns interest
Learn More

Ask one of our Retail Bankers for complete details!

Compare all of our Small Business Checking accounts to find your perfect fit!

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Locate the branch nearest you and stop by today.

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Woodforest Routing and Account Numbers

Select an option below. Routing and account numbers can also be found in Woodforest Online Banking and our Mobile Banking App.

Are you looking for a routing number or an account number?

In what state did you open your account?

To protect your personal information, we will not display your account numbers here. See below for ways to locate your account number.

Online Banking

To find your full account and routing numbers, simply log in to Woodforest Online Banking. Select the account you need the details for, and then follow these instructions:

Step 1: Select the Routing Details on the left hand side menu.

OLB 1

Step 2: You'll be able to view your account and routing number details.

OLB 2

Mobile App

To find your full account and routing numbers, simply log in to your Mobile Banking App, and then follow these instructions:

Step 1: Select your Checking or Savings Account.

Mobile App 1

Step 2: Select "Routing Details" to reveal your information.

Mobile App 2

Step 3: You'll be able to view your account and routing number details.

Mobile App 3

Checks

Your account number is located along the bottom of your check, to the right of the routing and check number.

Checks

Account Statement

Your full account number appears near the top of your paper and eStatements.

Account Statement

If you're still having difficulty in locating your routing or account number, please contact us or visit one of our convenient branches.

Frequently Asked Questions

Owner of the Business

State Specific:

  • Alabama – Business Occupational License issued by city or county where operating
  • Florida – Registration of Fictitious Name filed with Department of State
  • Georgia – Occupation Tax Certificate or Business License or Registration of Trade Name filed in county of operation
  • Illinois – Assumed Name Application and Certificate of Ownership obtained from County Clerk’s office
  • Indiana – Certificate of Assumed Name filed with County Recorder’s office in county where operating
  • Kentucky – Certificate of Assumed Name filed with County Clerk’s office in county where operating
  • Louisiana – Certificate of Assumed Name filed with Parrish Clerk’s office in county where operating
  • Mississippi – Privilege Tax License filed in county or city where operating
  • Maryland – Trade Name Registration filed with Maryland Department of Assessments and Taxation
  • New York – Business Certificate filed with County Clerk’s office in county where operating
  • North Carolina – Certificate of Assumed Name filed with Registrar of Deeds in county where operating
  • Ohio – Trade Name Registration filed with Secretary of State
  • Pennsylvania – Registration of Fictitious Name filed with Department of State
  • South Carolina – Business License filed in county or city where operating or Retail License filed with state
  • Texas – Certificate of Assumed Name filed with County Clerk’s office in county where operating
  • Virginia – Certificate of Assumed Name or Fictitious Name filed with Circuit Court’s office in the county or city where operating
  • West Virginia – Business Registration Certificate filed with West Virginia State Tax Department

Other:

  • Franchise Agreement
    • Only required if sole proprietorship is operating as a franchisee
  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)
    • ID must be valid (non-expired)
  • Social Security Numbers for each authorized signer

All general partners must be present and on the account.

  • Assumed Name Certificate / DBA

    • Required if partnership is doing business under a trade name

    • Also referred to as Fictitious Name Certificate or Name Registration

  • Partnership Agreement

    • Required if partnership is not clearly indicated on the Assumed Name Certificate / DBA

  • Franchise Agreement

    • Only required if partnership is operating as a franchisee

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each authorized signer

  • Taxpayer Identification Number (TIN/EIN) for the Partnership

    • Cannot be the Social Security Number of a partner

    • Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

  • Documentation on each Beneficial Owner of the General Partnership

A Beneficial Owner is an individual who:

  • Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);

  • One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.

  • Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).

No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.

A completed Beneficial Ownership Form that includes information such as:

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)

  • Certification that information provided is complete and correct

All general partners must be present and on the account. If the general partner is a legal entity, such as a corporation or LLC, the authorized representative (Director, Officer; Manager) of that entity may open the account. Legal entity general partners must be in good standing with the state.

  • Certificate of Partnership

  • Certificate of Filing

    • This certifies that the Certificate of Limited Partnership was filed with the state

  • Assumed Name Certificate / DBA

    • Only required if partnership is doing business under a trade name

    • Example: If “Smith Construction Ltd” also does business under “John’s Construction”, a DBA would be required

    • Also referred to as Fictitious Name Certificate or Name Registration

  • Franchise Agreement

    • Only required if partnership is operating as a franchisee

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each authorized signer

  • Taxpayer Identification Number (TIN/EIN) for the Partnership

    • Cannot be the Social Security Number of a partner

    • Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

  • Documentation on each Beneficial Owner of the Limited Partnership

A Beneficial Owner is an individual who:

  • Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);

  • One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.

  • Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).

No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.

A completed Beneficial Ownership Form that includes information such as:

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)

  • Certification that information provided is complete and correct

At least one individual appointed as Manager (or Managing Member) of the business within Articles/Certificate of Formation or most recent Public Information Report. If a state recognized Manager will not be signing on the account, a formal, notarized letter on company letter head authorizing the account to be established may be requested.

  • Articles of Organization (AKA Certificate of Formation or Certificate of Organization)

  • Certificate of Foreign Entity Registration and Foreign Articles of Organization (required if the LLC is opening an account in a state other than the state of original filing)

    • Assumed Name Certificate / DBA

    • Only required if corporation is doing business under a trade name

    • Example: If “Smith Construction LLC” also does business under “John’s Construction”, a DBA would be required

    • Also referred to as Fictitious Name Certificate or Name Registration

  • Franchise Agreement

    • Only required if corporation is operating as a franchisee

  • Proof that the LLC is active and/or in good standing in the applicable state

    • Typically referred to as a Certificate of Good Standing

    • In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses charted in Alabama must provide this documentation. Please contact your local branch for more information.

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each manager/member and any authorized signers

  • Taxpayer Identification Number (TIN/EIN) for the LLC

    • Cannot be the Social Security Number of a member (unless it is a single member LLC with no employees)

    • Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

  • Documentation on each Beneficial Owner of the Limited Liability Company (LLC)

A Beneficial Owner is an individual who:

  • Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);

  • One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.

  • Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).

No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.

A completed Beneficial Ownership Form that includes information such as:

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)

  • Certification that information provided is complete and correct

All general partners must be present and on the account. If the general partner is a legal entity, such as a corporation or LLP, the authorized representative (Director, Officer; Manager) of that entity may open the account. Legal entity general partners must be in good standing with the state.

  • Articles of Organization (AKA Certificate of Formation or Certificate of Organization)

  • Certificate of Filing (certifies Articles were filed with the state)

  • Certificate of Foreign Entity Registration of a Limited Partnership (required if the limited partnership is opening an account in a state other than the state of original filing)

  • Assumed Name Certificate / DBA

    • Only required if corporation is doing business under a trade name

    • Example: If “Smith Construction LLP” also does business under “John’s Construction”, a DBA would be required

    • Also referred to as Fictitious Name Certificate or Name Registration

  • Franchise Agreement

    • Only required if corporation is operating as a franchisee

  • Proof that the Partnership is active/and or in good standing in applicable state

    • Typically referred to as Certificate of Good Standing

    • In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses charted in Alabama must provide this documentation. Please contact your local branch for more information.

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each manager/member and any authorized signers

  • Taxpayer Identification Number (TIN/EIN) for the LLP

    • Cannot be the Social Security Number of a member (unless it is a single member LLP with no employees)

    • Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

  • Documentation on each Beneficial Owner of the Limited Liability Partnership (LLP)

A Beneficial Owner is an individual who:

  • Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);

  • One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.

  • Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).

No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.

A completed Beneficial Ownership Form that includes information such as:

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)

  • Certification that information provided is complete and correct

At least one individual appointed as Director or Officer of the business within Articles/Certificate of Formation or most recent Public Information Report. If a state recognized Director or Officer will not be signing on the account, a formal, notarized letter on company letter head authorizing the account to be established may be requested.

  • Certificate of Formation OR Articles of Incorporation

  • Certificate of Filing

  • Certificate of Foreign Entity Registration and Foreign Articles of Incorporation (required if the corporation is opening an account in a state other than the state of original filing)

  • Assumed Name Certificate/DBA

    • Only required if corporation is doing business under a trade name

    • Example: If “Smith Construction Inc.” also does business under “John’s Construction”, a DBA would be required

    • Also referred to as Fictitious Name Certificate or Name Registration

  • Franchise Agreement

    • Only required if corporation is operating as a franchisee

  • IRS Determination Letter

    • Only required if corporation is non-profit

  • Proof that the corporation is active and/or in good standing in the applicable state

    • Typically referred to as a Certificate of Good Standing

    • In many cases, the Bank is able to obtain this information online. If the information cannot be obtained, you must provide the document. For example, businesses incorporated in Alabama must provide this documentation. Please contact your local branch for more information.

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each authorized signer

  • Taxpayer Identification Number (TIN/EIN) for the Corporation

    • Cannot be the Social Security Number of an authorized signer/director/officer

    • Apply anytime online at www.irs.gov or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

  • Documentation on each Beneficial Owner of the Corporation

A Beneficial Owner is an individual who:

  • Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation);

  • One individual with significant responsibility for controlling or managing the entity, for example the senior executive officer, senior manager, etc.

  • Federal regulation requires financial institutions, such as Woodforest, to obtain, verify and record information about the Beneficial Owner(s).

No. Any representative authorized to open an account on behalf of the legal entity can provide information about the Beneficial Owners via the Beneficial Ownership Form.

A completed Beneficial Ownership Form that includes information such as:

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence, and percentage of ownership for each Beneficial Owner

  • Name, date of birth, Social Security number (U.S. Citizens), passport number and country of issuance (for Non-U.S. individuals), residential address, country of citizenship, country of residence for each controlling individual (this information is required even if no equity owner has 25% or greater ownership)

  • Certification that information provided is complete and correct

Officers or authorized party identified within the meeting minutes and notarized letter.

  • Organization’s Charter

  • Organization’s By-Laws or Operating Agreement

  • Signed Formal Letter, preferably on letterhead, and Signed Meeting Minutes stating the Organization’s intent to open an account and who will be authorized to sign

    • NOTE: This document is NOT sufficient on its own, rather it may be used in conjunction with the Organization’s Charter and By-Laws / Operating Agreement

  • Girl Scout Accounts

    • Documentation on Girl Scout Letterhead authorizing the customer as troop leader

  • Boy Scout Accounts

    • By-Laws and letter from Chartering Sponsor (i.e.: Church or School) appointing Den Leader; Meeting Minutes reflecting discussion to establish account and identifying authorized signers.

  • Acceptable ID for each authorized signer (with the exception of U.S. Military ID's, photocopies of identifying documentation will be retained)

    • ID must be valid (non-expired)

  • Social Security Numbers for each authorized signer

  • Taxpayer Identification Number (TIN/EIN) for the association

    • Cannot be the Social Security Number of an authorized signer

    • Apply anytime online at www.irs.gov/ or call 1-800-829-4933 (7:00 AM – 10:00 PM, Monday - Friday)

Tools

Direct Deposit Form (PDF 100.6 KB)
Switch Kit (PDF 3.4 MB)
Account Reconciliation Sheet (PDF 37.9 KB)

Additional Disclosures

Schedule of Fees (PDF 129.7 KB)
Terms & Conditions (PDF 240.0 KB)
Business Overdraft Services (PDF 169.8 KB)

Additional Small Business Benefits

Online & Mobile Banking

Access your account whenever and wherever with Online and Mobile Banking.(2)

Learn More

Small Business Debit Cards

Use your debit card to manage your business, cash flow and company purchases.

Learn More

Small Business Savings Accounts

Watch how quickly your money grows when you start saving.

Learn More

*Regardless of account type, when items are presented for payment in excess of the balance in your account, an overdraft item fee will be assessed if the item is paid. This includes but is not limited to debit card transactions, such as ATM withdrawals, that are in excess of the balance in your account which may incur an overdraft item fee if the transaction is paid. The payment of overdraft items and transactions is at our discretion, and more than one overdraft item fee may be assessed in a single day. For complete details regarding our products, services, and fees, including important details regarding our overdraft fees and options, please stop by one of our convenient branch locations and speak with a Retail Banker.

(1) Certain business types may be assessed higher fees. Additional fees may apply.

(2) Data rates may apply. See carrier for details.