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!

What is our routing number?


How long will it take for me to get my account opened and functioning?

In most cases, once you submit a valid Driver’s License, EIN letter and “proof of address” (if your DL address doesn’t match the address you put on your application), your account will be opened and functioning in less than one business day.

Depending on the the type of business you have, we may require additional identification documents, which may delay the process, as well.

When do I get my debit card?

For a new account, we order your debit card when your application is approved and we are ready to set up your account. Debit cards may take 10 – 14 business days to arrive. We can help you you order business checks for a new or existing account at any time. 

I am a sole proprietor. Is my business eligible for an account?

Yes. Small Business Bank™, America’s online Micro Business Bank offers free checking for the smallest business. As a sole proprietor you can use either your SSN or an EIN number for sole proprietor accounts. 

Is my business eligible for a FREE Micro Business Checking Account?

We regret we cannot open accounts for all businesses or business types.  “Investment company” accounts are generally not eligible.  Small Business Bank™ is unable to open an account if the business model is based in whole or part on selling investments or securities in assets for a client’s personal investment return.  Further, Small Business Bank™ is unauthorized at this time to open accounts online for the following organizations or business activities:

1. Sales of weapons through an online transaction-enable site

2. Politics or advocacy, or fund raising for either

3. Retirement entities or asset entities that hold them

4. Entities or organizations engaged in holding of other entities or organizations

5. Entities set up for the sole purpose of transferring funds to other parties

Can I open an account for a Manager/Member or Manager managed LLC?

Manager/Member managed LLC’s with 4 members or less are eligible for business accounts with Small Business Bank™.  However, we require all members to be signers on the account.

Manager managed LLC’s where the Manager is not a member are not eligible for business accounts with Small Business Bank™.

Are there any monthly fees or minimums for a checking account?

None of our checking accounts have minimum balances or transaction fees. Please visit the home page to find an account that fits your business’s specific needs.

How am I able to deposit checks into the account?

To complete a mobile deposit, you can take pictures of checks with your smartphone using the Small Business Bank™ app. Check can also be mailed to:

Small Business Bank
13423 W. 92nd St.
Lenexa, KS 66215

For cash deposits, visit Shazam to find ATMs that take our debit card to deposit cash. Just select the option that says “Accepts Deposits”.

Direct deposits, wire transfers, ACH transfers, online credit card payments and credit card/merchant processing networks are all accepted for normal credits, subject to our policy for funds availability.

Having issues with mobile deposit?

If you are having trouble with mobile deposit please review the tips below.

1.) High-quality photos of the check are the best way to make Mobile Deposit quick and easy.
2.) Make sure to have good lighting and a dark background.
3.) Make sure the check is on a flat, level surface.
4.) Make sure there is a thick contrasting border around the check. We recommend the border be at least half the size of the check. If its too close we cannot process the deposit.
5.) Certain phones do not show an accurate representation of the final image we receive. When in doubt, a larger border (holding the phone further from the check) is usually better.
6.) Remember to sign the back of the check.
7.) Funds deposited from your phone/device will not be immediately available, and are subject to holds.

Can I move money from my personal checking account at another bank into my new business account at Small Busines Bank™ - or can I add another account I own to make recurring transfers to?

Yes, you can transfer funds from your business account to a personal account or any account you own using our FREE online banking bill pay. You can also schedule recurring transfers from your business account Small Business Bank™.

Can I have money wired into my account? Can I send wires?

For a $15 fee, money can be wired from a U.S. Bank into your Small Business Bank™ account on any business day for same day credit. We can accept incoming international wires for a fee of $60. International wires may be subject to review, sender due diligence, and a potential delay of credit on a case by case basis.

You can send an outgoing domestic wire using online banking for $30 per wire.

By calling 1-855-635-9696, a member of our Customer Service team will be glad to assist you personally with transfer requests. You can also send us a secure message via online banking to request funds transfers.

Can I set up payments to my vendors with this account?

Yes, you can sign up for Online Bill Pay. From there you can pay bills and send money to anyone with a U.S. bank account with no fees.

Are there any potential fees associated with my Small Business Bank™ account?

Fees we charge are listed below.

Money OrdersFREE (Only available for Account Holders)
Cashier’s Check FeeFREE (Only available for Account Holders)
Dormant Account Fee$2.00 Per Month
Return on Deposited Item$2.00
Wire Fee, Incoming$15.00 Domestic, $60.00 International
Stop Payment Fee$25.00
Insufficient Funds/Overdraft Fee$25.00 Per Item
Mailed Statements$10.00 Per Month
How can I change my address?

Simply login to your Online Banking account and submit your new change of address.  The form can be found under the “user settings” tab. Processing a change of address may take up to three business days.

How do I close my account?

Please call our Customer Service team at 1-855-635-9696 or via the Online Banking secure messaging system to close your account. Until the balance in the account is brought to$0, it will remain in an open status. Customer service can answer your questions about this process.