Accounts that fit your business

Whether you are a fashion designer or a brain surgeon, a one man hot dog stand or a corporation with hundreds of employees, we have account options to fit businesses of every size.


Name/Type Required Opening Deposit Account Fee Debit Card Interest
Small Business Checking $50.00 See Below Available – see below None
Business Checking $100.00 See Below Available None
Business NOW $1,000.00 See Below Available Variable Rate

Choose Sentry for your business

All of our checking accounts include free online access, free mobile banking, and a debit card with access to over 50 fee-free ATMs in the St Cloud area through the MoneyPass Network. Free check images with eStatements. Optional $2.00 fee for paper check images.


For businesses that write a minimal number of checks per month, this is an account that is simple and straightforward.

$5.00 monthly maintenance fee if more than 20 debit transactions per statement cycle.

$.25 for every debit transaction over 50 per statement cycle.

$.15 for each deposited item over 50 per statement cycle.


For businesses that have outgrown the Small Business Checking account, this account offers all the features that business owners would come to expect, plus the added ability to earn a credit back to the account to reduce or even eliminate monthly fees.

$10.00 monthly maintenance fee.

$.20 for each debit transaction.

$.10 for each paper deposit ticket.

$.10 for each deposited paper item.

$.10 for each ACH deposit.

Account receives a credit of $.25 per $1,000.00 average monthly collected balance per statement cycle.


For non-profit businesses and Sole Proprietor only.

$8.00 monthly maintenance fee if the daily balance drops below $1,000.00 any day of the statement cycle.

$.10 for each deposited item.


Once a business grows enough to have some extra cash flow, the Prime Time account is a great way to earn interest while keeping funds easily accessible.

$8.00 monthly maintenance fee if the daily balance drops below $2,500.00 any day of the month.

$5.00 per debit transaction over 6 per month.

Meet Our Business Bankers:

Doug Danielson

Doug has been with Sentry Bank the past 28 years with 41 years of experience in the financial industry.  He currently maintains the positions of Senior Vice President and Senior Commercial Lender for the bank.  He is also an active citizen within the St Joseph community and currently serves on the St Joseph EDA board.

NMLS #764389

Ryan Holthaus

Ryan has been with Sentry Bank for the last 5+ years, bringing 15+ years of business experience to his work with both new and established business customers. Ryan serves as the VP of Commercial Lending and is an active member of the Cold Spring community, St. James Catholic Church, Sertoma, as well as a current Student of the Graduate School of Banking. Ryan also coaches baseball while being the President of the CSAYSA. See Ryan for any of your commercial banking needs.

NMLS #1469570

Kevin Fitzpatrick

Kevin is a Commercial Loan Officer and has over 19 years of banking experience, including over 5 years of lending experience.  He has a BS in Business Management and an MBA in Business Administration.  Kevin is on the board of directors for Big Brothers Big Sisters of Central MN where he is the current treasurer and is an active member in the Sartell Chamber of Commerce.  Outside of work, Kevin enjoys spending time on the water with his family.

NMLS #1514570

*Starting Nov. 1 - All branch lobbies will now be closing at 4:00 PM on Fridays - Drive up hours will not change