We Understand Small & Micro Business


Small Business Bank

We serve small business, micro business and personal banking customers in all 50 states. Small Business Bank (formerly Gardner Bank) is a member of the Federal Reserve System, chartered in the State of Kansas and headquartered in the Kansas City metro. Small Business Bank is an Equal Housing Lender and member FDIC (Certificate #25744). Small Business Bank is a well-capitalized bank that has been serving the Kansas City metro since 1984.

Our Goal

Our goal is to provide Micro and Small Business owners with cutting-edge financial services and supportive banking technology. As a small business ourselves, we’re here to help Micro and Small Business owners navigate the challenging path to financial and entrepreneurial success. You’re free to set the course to your destination, of course. Our technology and experience will simply guarantee some wind in your sails.


You have access to your account 24 hours a day, 7 days a week—from anywhere in the country. With modern web access and the proliferation of digital devices there is no longer a need to be physically located in the same town—or even the same state—as your financial institution. You need a bank that understands your banking needs. As our name implies, we understand small business.

Getting started doesn’t have to be complicated. If you have questions, we have answers! Below is a list of our most frequently asked questions and their answers. Don’t see an answer you’re looking for? Our friendly Customer Service Team is standing by to help you with any additional questions you may have!