Digital Business Banking
Digital Business Banking built for local businesses in Washington State and Minnesota that do not require branch cash services. We help clients from Bellevue to Spokane or Minneapolis to Ceylon grow their business.
Digital-first. Relationship-driven. FDIC-insured.
Digital Business Banking Options
Digital Business Checking
-Banking, made easy
We offer two modern, no-hassle Checking Accounts that include a variety of features and convenient access to online/mobile banking.
Compass Checking - Business
Click here for personal accounts
$100 to open an account
No monthly service charges*
Mobile wallet-enabled debit card
Online and mobile banking
Mobile deposit
Access to over 300,000 free NYCE ATMs
Platinum Checking - Business
Note balances are calculated using the average daily balance method*
Click here for personal accounts
$100 to open an account
$15 Balance requirement fee for balances under $1,000*
Competitive tiered rates based on account balance*
Interest compounded monthly and paid monthly*
Mobile wallet-enabled debit card
Online and mobile banking
Mobile deposit
Access to over 300,000 free NYCE ATMs
*E-statements required - see Deposit Account Agreement for more info on terms, and our Deposit Rates for more info on current rates and minimum balances.
Minimum Balance Requirement
APY(Annual Percentage Yield)*
$1,000.00 to $2,999.99
0.05%
$3,000.00 to $9,999.99
$10,000+
0.15%
0.50%
Online Banking - Bank from anywhere, anytime
The Portage online banking and mobile app puts your accounts, transfers, and payments a click away or in your pocket — with the security you expect from a bank that knows you by name.
Accounts
View balances, running totals, transaction history, documents, and reporting across all your accounts.
Move Money & Pay Bills
Transfer between Portage accounts or to external accounts at other banks via ACH & Wire or make bill and loan payments.* Please see fee schedule for wire initiation fees.
Mobile & remote deposit
Deposit checks by snapping a photo or using an approved check scanner, no branch or ATM visit needed.
Administration
Administer users and limits, add stop payments, perform account maintenance, or initiate service requests.
Card management
Control business debit cards, set transaction limits, and lock cards instantly.
Alerts & notifications
Get notified about deposits, withdrawals, low balances, and suspicious activity.
Take Portage wherever you go
Our free mobile app gives you fast secure 24/7 access to your finances.
Business Lending-
Capital for your growth
Get additional funding to transform your business
Features
Fixed or variable rates
Loan types: equipment loans, construction loans, commercial mortgages, secured/unsecured lines of credit, overdraft lines of credit, and more.
Short or long term
Rate discounts possible with autopay - loans subject to credit approval**
Click here for personal accounts
**Loans subject to credit approval, loan officers are licensed federally by NMLS (#1831756). Visit nmlsconsumeraccess.org for more information. We are committed to fair lending. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other characteristic protected by law.
Regular Savings - Business
Put Idle Cash to Work
Having a dedicated business savings account keeps your operating funds separate from reserves and earns interest in the process. Whether you're building a tax reserve, setting aside funds for equipment, or accumulating capital for your next growth move, a Portage Savings -Business Account gives your money a productive place to sit.
Features
$10 to open an account
No monthly service charges for active accounts*
Interest compounded and paid quarterly*
Online and mobile banking
Click here for personal accounts
*See Deposit Account Agreement for more info on terms, and our Deposit Rates for more info on current rates and minimum balances.
Money Market Account
Savings with more access
Our New Frontier Business Money Market - Business Account is built for businesses that carry higher balances and need the flexibility to move money when opportunities arise. Earn tiered rates that reward larger balances, without locking your funds away.
Features
$2,500 to open an account
No monthly service charges*
Tiered rates based on account balance*
Debit cards and checks
Online and mobile banking
Click here for personal accounts
*E-statements required - see Deposit Account Agreement & Disclosure for more info on terms, and our Deposit Rate & Fee Schedule for more info on current rates and minimum balances.
Rate variable. APY accurate as of June 9, 2026 and subject to change. $2,500 minimum to open.
Minimum Balance Requirement
APY*
$0.01 to $9,999.99
0.75%
$10,000 to $99,999.99
2.27%
$100,000 to $249,999.99
2.53%
$250,000 to $499,999.99
2.78%
$500,000 and above
3.30%
CDs
Save and make money with minimal effort
When your business has funds, you won't need in the short term, insurance reserves, tax set-asides, retained earnings, a Portage CD puts that capital to work at a guaranteed rate. Choose a term that fits your cash flow timeline and let compounding do the rest. No market exposure, no surprises.
Features
Competitive interest rates*
Extensive range of terms*
FDIC insured (up to applicable limits)
Guaranteed returns
New!
America’s 250th Anniversary Promotional CD
Available only from June 29th-August 31st, 2026.
(promotion availability subject to change or cancellation at any time without notice).
Upon maturity, this promotional CD will automatically renew once at a rate of 3.65% (3.68% APY) for the same 6-month term. This promotional CD is available to new deposits only; transfers from existing Portage Bank accounts do not qualify. This renewal rate applies exclusively to customers who opened this promotional CD and is not the standard 6-Month High Yield CD rate. Subsequent renewals will be at the then-current standard 6-Month High Yield CD rate. Member FDIC.
*See Deposit Account Agreement & Disclosure for more info on terms, and our Deposit Rate & Fee Schedule for more info on current rates and minimum balances.
Certificate Of Deposit
APY*
3, 6 & 9 Month
0.75%
12 Months
2.27%
24 Months
2.53%
36 & 48 Months
2.78%
For Laddered CD Rates, please Deposit Rate & Fee Schedule
Rates accurate as of above date and subject to change without notice.
Fees may reduce earnings. FDIC insured up to applicable limits.
A penalty of 30 to 180 days of interest may be imposed for early withdrawal on Certificates of Deposits will affect earnings on the account. CD renews automatically at maturity.
Click Here for Business Accounts
Minimum to Open
$500
$500
$500
$500
APY*
6-Month Promo CD
4.19%
Minimum to Open
6 Months
CD Rates — Effective June 29, 2026
$10,000-$1,000,000