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:

Ryan Holthaus

Ryan has been with Sentry Bank for the last 6+ years, bringing 15+ years of business experience to his work with both new and established business customers. Ryan serves as the Senior Vice President/Senior Lender 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 has been with Sentry Bank for the last 4+ years, bringing over 20 years of banking experience, including 6 years of lending experience. Kevin serves as the Vice President of Commercial Lending. 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 and a member of the Sartell Chamber of Commerce. Outside of work, Kevin enjoys spending time outdoors with his wife and two daughters.

NMLS #1514570

Patrick Baumgard

Patrick is a Commercial Loan Officer with Sentry Bank and brings over 25 years of community banking experience. He has a BS Degree in Economics from Minnesota State University, Mankato and attended the Graduate School of Banking at the University of Wisconsin, Madison. He is certified in both Compliance and Security, achieving CCBCO and CCBSO designations through the ICBA. Patrick is active in both the St. Joseph and St. Cloud communities and is a board member of the Wright County EDP.

NMLS #794600

Matt Nelson

Matt Nelson is a Business Banking Relationship Manager at Sentry Bank serving the Twin Cities Market. Prior to joining Sentry, Matt spent 12 years at US Bank gaining diverse experience in Retail Consumer Banking, Community Banking, Middle Market and Business Banking. He received his undergraduate degree in Economics and Management Studies from St Olaf College. After spending 4 years in Ames, IA where Matt’s wife, Jessica, attended Veterinary School, he and his family moved back to MN. He and his wife and their 3 kids live in the Maple Grove area. Matt works with the MN Chapter of Juvenile Diabetes Research Foundation to execute the JDRF Walk for a Cure each year.