member FDIC at Franklin state bank in winnsboro la
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At Franklin State Bank, we’re more than just your local bank—we’re your business partner. Since 1908, we’ve helped small businesses, family farms, nonprofits, and commercial enterprises in Winnsboro and Franklin Parish grow and succeed. Whether you need a reliable checking account, a business loan, or tools to manage your cash flow, our local team is here to help.

Business Checking Accounts Built for Your Success

At Franklin State Bank, we understand that no two businesses are alike. That’s why we offer a variety of business checking account options to support everything from small startups and nonprofits to large commercial operations. With flexible features, competitive pricing, and local, personalized service, we make business banking simple and effective.

Business

$100 Minimum to open

Balance Requirement: $800
Maintenance Fee: $0

Balance Requirement: Less than $300
Maintenance Fee: $7

Interest: Yes

Investment

$2,500 Minimum to open

Balance Requirement: $2,500
Maintenance Fee: $0

Balance Requirement: Less than $2,500
Maintenance Fee: $7

Interest: Yes

Treasury Index

$5,000 Minimum to open

Balance Requirement: $10,000
Maintenance Fee: $0

Balance Requirement: Less than $10,000
Maintenance Fee: $15

Interest: Yes

Frequently asked questions

Checking accounts in detail

Learn more about which checking account is best for you.

Business Checking Account

Our standard Business Checking Account is ideal for small businesses and sole proprietors looking for dependable banking with the ability to earn interest. It’s a great entry point for businesses that want essential features, competitive rates, and access to online tools — all backed by local support.

Included Features:

    • Debit card

    • Free online and mobile banking

    • eStatements and bill pay

Best For: Small businesses, sole proprietors, startups

Investment Business Checking Account

The Investment Business Checking Account is designed for businesses that maintain larger balances and want a higher return on deposits. This account earns competitive interest and provides added value for companies looking to grow their funds while maintaining checking account flexibility.

Included Features:

    • Debit card

    • Access to online banking and cash management tools

    • Mobile deposit and eStatements

    • Suitable for growing or mid-size businesses

Best For: Established businesses with steady cash reserves

Treasury Index Business Checking Account

Our Treasury Index Business Checking Account is built for high-volume, high-balance businesses seeking a market-based interest rate.

Included Features:

    • ACH and wire services available

    • Online banking and account reconciliation tools

    • Ideal for high-volume or cash-intensive operations

Best For: Corporations, municipalities, large nonprofits

Franklin State Bank in Louisiana